We will never recommend anything that we wouldn't do ourselves.

Here's what we won't do:

Sell commission-based products that benefit the adviser at your expense

Use products that lock you in or have exit penalties

Recommend financial products that pay hidden or trailer fees

Provide high returns with low volatility (that’s impossible)

Sell during temporary market declines

Predict the short-term direction of the economy or the stock market

Change your asset allocation based on media sentiment

Manage your investment portfolio without a clear plan