As an Investment Advisor Representative of LPL
Financial, I help my clients manage their investment portfolios according to the
“Global Standards Of Excellence For Investment Fiduciaries.”
I put my client’s best interests above all others, I act with
prudence and provide full and fair disclosure of all important facts concerning investments and investment
I work with my clients to help them clearly define their investment goals and to help them pursue quality
investment results over meaningful periods of time by prudently diversifying their investment portfolios
among quality investments and by carefully managing investment risk.
I am committed to doing everything I can to help my client’s pursue optimal investment results. Although
no particular investment strategy can guarantee success, I believe that implementing an investment
strategy based on the following core investment principles may help maximize the chances that the
investment portfolio will participate in positive investment trends while seeking to minimizing losses during
Invest for maximum total real return,
Invest - don’t trade or speculate and don’t try to time the markets,
Use quality investments to develop an investment portfolio,
Use investments that are managed by teams of experienced investment professionals,
Use investments that provide access to a world of investment opportunities,
Remain flexible and open minded about investments,
Buy value, not market trends,
Do your homework or hire a knowledgeable financial advisor to help you,
Monitor your investments,
Although past performance is no guarantee of future investment results, use investments that have
historically been consistent in outperforming the market, and
Don’t be fearful or negative too often.
The investment principles described above were first published in 1993 in an article in World Monitor: The
Christian Science Monitor Monthly by Sir John Templeton in which he described his fundamental
investment principles. I use these core investment principles and others to seek to maximize the chances
that my client’s investment portfolio will participate in positive investment trends while seeking to minimize
losses during market declines.
I have carefully selected the Advisory mutual fund investments using various analytical tools including
important investment principles first outlined in 1984 by Jack Bogle, the founder of The Vanguard Group.
Mr. Bogle suggested that certain fundamental principles were important drivers of investment success.
The fundamental principles are:
the investment management firm should promote a culture of investment excellence and
the investment management firm must be financially stable and viable,
the key members of the investment management team should be talented and experienced
investors who are passionate about their work,
the key members of the investment management team should have the courage to have a
different view; but, the humility to correct a mistake,
the investment management firm should have a clear philosophy on how it seeks to add value that
is universally shared by its investment personnel,
the investment management firm should have a competitive advantage allowing it to execute its
process well and consistently over time,
the investment management firm’s investment holdings should align with its investment
the investment management firm’s drivers of historical performance should be logical and
sustainable over the long term.