Investments and risk
A mix you can live with when markets drop.
The best investment plan is one you can stick with. I help you find how much up and down you can stand, and build around it.
Questions people bring me
- Am I taking too much risk for my age?
- What should I do when the market drops?
- Do I have too many accounts?
- What am I paying in fees?
How I help
I made my first mutual fund investment as a graduate student, less than a month before the October 1987 crash. I learned early the value of not over-reacting when markets move. That lesson shapes how I work with you.
We look at all your accounts together, what each one is for, what it costs, and how much risk you are really taking. Then we match your mix to your timeline and to how you feel when markets fall, and we write down what we’ll do when they do.
What you leave with
- One picture of everything you own, and what it costs you
- A mix matched to your goals, your timeline and your comfort with risk
- A written plan for what to do (and not do) in a downturn
- A regular review and re-balancing check
Common questions
Do you manage my investments?
I do not take assets under management and I do not recommend individual securities. However, I do create a plan to match your objectives and will help implement and monitor it.
What if I don’t want to change my investments?
That is fine. Many people just want to understand what they have and whether it matches their plan.
Can you look at my 401(k) or 403(b) options?
Yes. Bring your plan’s list of funds and we’ll look at how to use them alongside the rest of your savings.
Other ways I can help
Retirement income
How your savings, pensions and benefits can become a steady monthly income.
Learn moreSocial Security timing
When to claim, and how that choice fits with the rest of your income.
Learn moreAnnuities and insurance
What they are, when they fit and when they don’t, and how I’m paid on them.
Learn moreBudget and cash flow
Where the money comes from, where it goes, and what you’d like to change.
Learn more
Complimentary checklist
13 questions to answer before you retire
Social Security timing, pensions, which accounts to draw from first, health costs and who handles things if you can’t. The questions Jay would want you to have thought through, in plain words.
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Ready to turn over a new leaf?
Start with a conversation. It’s complimentary, it’s unhurried, and you’ll leave knowing whether a plan makes sense for you.
CFP® professional · No account minimum · Fees explained before you decide