The time to repair the roof is when the sun is shining.

Vision without action is a daydream. Action without vision is a nightmare.

Golfers know that shooting 70 and 72 may not be as exciting as shooting 65 and 82; but after 2 rounds, we are 5 strokes ahead. It’s not how many birdies you make, but how many bogeys you avoid. Our investment approach is not to try and shoot a big number. If we protect the downside, the upside takes cared of itself.

Some people are making such thorough preparation for rainy days that they aren’t enjoying today’s sunshine. There are only three things you can do with money: spend it now, spend it later or spend it never. We’re here to figure out which combination of those fit your lifestyle now and in the future.

We would rather be out of the market wishing we were in than in the market wishing we were out. There is a difference between hearing and listening, we are good listeners. As a wearer of two hearing aids I appreciate the difference.

Patience is not the same as inaction. We make decisions about your account every day. Most days we decide to do nothing. We are actively and patiently executing your strategy.

The pessimist complains about the wind, the optimist expects change, the realist adjusts the sail.