Money is not the goal and it is not an end. It is a tool that we manage, exercising caution and wisdom, for the benefit of improving our lives.

How one’s returns compare to any index, fund, or investment category (Relative Investment Performance) are inconsequential.

Progress is best measured against one’s own potential. For measures of progress to be effective, a personal benchmark first needs to be established. This requires knowing where money is coming from and where money is going.

The fundamental question in the ROL philosophy is not, “How much money do you need?” but rather, “Is your money being managed in a way that is improving your life?”

As a professional, I deliver value to my clients and I make sure they understand what I offer and how I get paid.

I recognize to serve others well (by providing the greatest amount of value) and to keep my life in balance I must choose to serve a reasonable number of clients.

Ultimately, everything I own will end up in the hands of others. With this understanding I pursue stewardship that recognizes the responsibility of supporting and securing personal, family, and community life.

I recognize the unique role I play between my clients’ means and their sense of purpose and intention with their money.

I understand the sacred trust that exists in financial matters and will never refer my clients to anyone who does not appreciate this elevated level of trust.

I understand that my commitment, passion, and devotion to help people improve their lives through wise financial decisions is more than just employment. It is a vital service that demands professionalism and intellectual, emotional, and spiritual investment of self.