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Financial Planning Process and Investment Philosophy

You our Client hold your personal Goals to be of the utmost importance because these goals support you, your family, and your desires. Risk to those goals is to be minimized, operating within your Risk Capaticy and Risk Tolerance we strive to maximize your Risk weighted Return. While reducing the negative impact of Taxes on your plan through strategies accepted by your tax preparer.  Complexity and Cost can also be a drag on your plan and as such are kept to appropriate levels.  GR4TCC, Goal>RiskCapacity>RiskTolerance>Risk/Return>Taxes>Complexity>Cost, is the process that we use to deliver effective and efficient Financial Plans.

     With this process in mind Dustin uses Fundamental Analysis to identify investment vehicles (stocks, bonds, CDs, EFTs, and mutual funds) that allow our clients to pursue their financial obligations and goals. Your portfolio is integrated into your individual plan. There is a wealth of information and research from: Standard and Poors, Morningstar, Strategic Partner's materials, and countless other sources that we use to identify and vet our investments. Utilizing his Saint Louis University Business School, the CFP® and AAMS™ education/training and over 30 years of personal and 14 years of professional experience, we create portfolios and models that place our clients assets on the appropriate area of the efficient frontier in relation to their risk tolerance and risk capacity. Dustin believes that value investing is one of the safest ways for you to reach your goals when properly balanced and diversified. We believe that even though the world of finance has changed, Benjamin Graham's teaching are still alive and hold great use for the modern investor.  For areas that Dustin has not mastered such as speculative investing we outsource to product partners that have experience and success in each style box or asset class.