Our duties, responsibilities and obligations are the same as yours. We take this mission very seriously because each and every day presents opportunities to realize a bit more of our hopes for the future.
A word from Teresa
If your human or robo-advisor asked questions* about your “risk tolerance”, I have news for you.
You are ALREADY managing your own money because your answers were plugged into software such as Morningstar Direct and used to generate an investment portfolio based on some version of the industry standard model that dates back to 1952.
One is never served so well as by oneself.
Protect. Preserve. Prevail.
I worked in the industry. I know the drill. And the one fact even few advisors are aware of is that financial markets could care less about what we think or what we want. Because there is such a thing as endogenous, undiversifiable risk, a poorly-understood but very real source of danger.
Since I can do the math, probability and statistics, I created tools to manage downside risk and maximize the upside for my own investments. 100% transparent; no conflicts of interest.
*For example, the Vanguard Investor Questionnaire, the Fidelity Investor Profile Questionnaire, the Schwab Investor Profile Questionnaire, the Wealthfront Risk Questionnaire, the WealthSimple Risk Questionnaire, the TD Ameritrade questionnaire, etc. You get the picture.