I believe in, and practice, holistic fiancial planning/advising. I am independent so work as a fiduciary for my cients, meaning I do what is in their best interest. Not only is that a good philosophy in general, it is a legal requirement of a fiduciary. I believe the relationship is the most important aspect of working with folks - we have to have mutual trust in each other, confidence in our planning and share a laugh or two along the way. I often say my only minimum is personality - you have to have one. I believe my three primary objectives are, and should be: help you articulate and formalize your financial goals; help you arrange your money is such a way as to achieve those goals; and, manage your expectations and investments accordingly.