Our Core Beliefs

OUR CORE BELIEFS

 

 

 

 

 

 

 

 

We believe that our role as your financial adviser is more than just working with you to make good investment decisions.  Our goal is to allow you to live the best life possible with the money that you have and to help you make WISE financial decisions.

It is our desire to know more about you than just the numbers - we need to understand your values, your opportunities, your challenges and your aspirations and dreams.  In other words, we want to know about you.  With this knowledge, we can help you be conscious about your financial decisions so that you act rather than react.

How can we help?

  • We will help bring order to your financial life.
  • We will help you follow through on your financial commitments.
  • We bring insight from the outside to help you avoid emotionally driven decisions in important money matters.
  • We will work with you to anticipate your life transitions and to be financially prepared for them.
  • We explore and will continue to explore specific knowledge so that we are a meaningful resource for you.
  • We work with you as a "partner", not just for you, to help you achieve your goals.

It is not that money isn't important -  you have to prepare for your financial future by saving and investing.  West Railroad Financial Partners uses a disciplined approach to investing.  We don't pretend to be market forecasters - We agree with Warren Buffet that the only value of stock forecasters is to make fortune tellers look good.

Our investment philosophy uses a disciplined approach based on Modern Portfolio Theory and the Fama-French 3-Factor Model both of which are theories based on academic research.

Our approach to investments is as follows:

  • Starting the process by defining goals and risk tolerance.
  • Developing an asset allocation strategy to reflect your goals and risk tolerance and diversifying your investments to address your strategy.
  • Preparing an Investment Policy Statement that defines objective, expectations and restraints.
  • Investing in equities (based on your risk tolerance) in order to meet long-term growth objectives.
  • Including small-company stocks in your asset allocation as small-company stocks have historically provided higher returns over time.
  • Including value stocks in your asset allocation as value stocks have historically provided higher returns over time.
  • Understanding that there is a relationship between return and risk.
  • Investing in international stocks as part of a well-diversified portfolio.
  • Using shorter bond maturities as they are intended to dampen fluctuations in the overall portfolio.
  • Monitoring the portfolio and rebalancing periodically in order to maintain the agreed-upon asset allocation strategy.
  • Controlling investment costs by avoiding investments with sales loads and actively managed investments with high portfolio turnover.
  • Being patient and disciplined.Emotional and gut reactions are likely to have a negative impact on your return.Studies have shown that missing the best 10 days in the stock market in a year or a decade can reduce you returns, and that market timing does not work.It is impossible to know when those days will occur.

Does it make sense to react to daily fluctuations in the market if your time horizon is a lifetime?

If you are able to work within a disciplined framework by doing it yourself, we applaud you.  We believe that working with an advisor who follows a disciplined approach and acts in your best interest is the best way to avoid investing pitfalls.

Investing involves risk including the possible loss of principal.  No investment strategy can guarantee a profit or protection against loss.

 

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck