History

In 1991, I started my financial planning career on Wall Street. This was at the beginning of a young bull market and a real transformation into the technology age. Biotech stocks were hot, and Microsoft and Intel were becoming household names with investors. Investing seemed easy, and the stock market had stellar advances in the 1990s. Throughout the decade, investors seemed more and more confident in their own skills.  Investors grabbed the bull by the horns and set up online investing accounts by the end of the decade. Many, including the pros in the financial community, jumped into the aging bull market with vigor. As the Internet took hold, many people speculated on its growth and invested in anything related to Internet technology development. Analysts ignored risk and invented new valuation techniques to justify the lofty valuations that stocks commanded. Reality took hold in March of 2000. The NASDAQ reversed course and ultimately dropped more than 80 percent. The new economy stocks mostly disappeared, and investor confidence was shattered. It was at that point of irrational exuberance that I realized that helping people develop solid financial plans and suitable investment strategies were of the utmost importance. 

This was a lesson in greed and fear, as well as a lesson for people who let their emotions guide their financial planning and investments decisions. Many individuals participating in the markets at that time were inexperienced and truly unqualified to effectively do their own financial planning. Wall Street firms at the same time were willing to collect any fee or commission from the public, regardless of the outcome. I believe that helping people in the amazingly complex and deceptive world of finance is my mission, and I strive to do that every day. As a result, I have enjoyed managing my practice and maintaining relationships that I develop with clients.

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