We like a lot of things that Dave Ramsey has to say. Last year Stephen joined the Dave Ramsey SmartVestor Pro program, where people who are ready for baby step 4 can contact investment advisors who are familiar with and aligned with Dave’s process. Ramsey’s Financial Peace program has been presented in many area churches and we have conducted several of them ourselves. At the core of Dave’s program is a seven-step process to eliminate debt and build wealth.
Ramsey is a student of human behavior. He calls out people who get into financial difficulty by “running around buying things they couldn’t afford with money they didn’t have to impress people they didn’t even like.” He tells people to “live like no one else today, so you can live like no one else tomorrow.”
Because we get referrals from Dave’s program, we have met many people who are debt free or have at least gotten their debt under control and are saving rapidly but are not totally sure about the next step. They are putting money aside monthly, but they are not familiar with the mechanics or intricacies of investing. Their savings in the bank are getting almost no interest.
That is where we come in with our decades of investment and financial planning experience. Part of our job is to teach and educate, helping to alleviate some of the fear, mystery and complexity of investing. We listen to our clients, identifying their goals and concerns. We offer them an opportunity to get a personal financial plan. We help them establish the right kind of accounts they need in order to achieve their goals, including individual accounts, IRAs, Roth IRAs, 401k accounts, college funding plans or trust accounts. And we create and manage investment portfolios customized to their goals and needs.
Once the accounts are in place and the money is invested, we monitor their performance, make appropriate corrections and provide regular reports on their progress toward their goals.
We are a local, family-owned small business and treat our clients like family. We believe in another one of Dave Ramsey’s sayings: “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” We realize that finance and investing is confusing to many people, so we watch out for our clients, advising them as if they were a member of our family who was asking for our help. If you have questions about investing or financial planning, schedule an appointment to meet with us either in person, on the phone or via video conference.