Philosophy

The Financial Consulate™ is Redefining Wealth.

Money, Riches & Wealth is more than the name of our educational radio show. There is a greater meaning behind those words. If you trace the meaning of the words money, riches and wealth, you’ll find that money and riches meant something quite similar to what they imply today—money and riches. However, while the word wealth seems in our generation to have become synonymous with an abundance of money and riches, its original derivation was closer to a word with far deeper meaning—contentment.

The Financial Consulate is Redefining Wealth, reclaiming it from the institutionally guarded perception of a centuries-old financial industry which leads us to believe that if we only follow it, we’ll have money, riches and wealth… and all of our dreams will come true. We know that fulfillment in life is not derived from the mere accumulation of currency and investments, but from true wealth—contentment—and lifestyles, portfolios and net worth statements of differing shapes and sizes.

These concepts have become the foundation for this company and the manner and method with which we plan, advise, protect and invest. For over 25 years, we have partnered with individuals, families and companies to bring clarity in the form of personalized, comprehensive financial planning services following our Financial Physical® method. Additionally, our Personal Financial Management includes ongoing financial planning advice as well as discretionary asset management in our proprietary investment management style known as Risk/Opportunity Investing.

Without trust, there can be no relationship, therefore, we do everything we can to ensure trust is established and maintained. We are one of a relatively small number of advisory firms worldwide that are part of the National Association of Personal Financial Advisors (NAPFA). Our active membership and participation in NAPFA requires that we act as a true fiduciary at all times, maintain the highest level of continuing education required in the financial planning discipline and never accept commissions (fee-only) for the sale of products or referral fees for the referral of business.

Finally, trust cannot be maintained in the presence of manipulation or confinement, hence our motto, “Free to Come; Free to Go.” Many who’ve dealt with the financial industry have been given the “red carpet treatment” to become clients, but then found they suffered various forms of penalties if they chose to leave. Surrender charges, account closing fees and arm-twisting guilt trips are all too common. Our pledge is that we will bless you, coming or going. If you choose to leave us for any reason, you will not face any surrender charges or account closing fees and we will work diligently to help you move. Trust is best preserved in an at-will engagement.

P.T. Barnum said, “Money is a terrible master but an excellent servant.” We at The Financial Consulate believe that money, in and of itself, is not powerful. Money is simply a neutral tool to enhance relationships, which is the essence of true wealth. Now that is powerful.

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