You are much, much more than your investment portfolio

When you become a client of Shine, we start by getting to know you, so we can understand your “big picture” – your needs, your dreams, your goals and even your fears.

We have to know where you’re going before we can properly start the journey to get there.

A customized plan that’s right for you

The goal of our planning process is to create a “map” of investing and financial actions that will get you safely from Point A, where you are now, to Point B, where you want to be in the near-term and to Point C, where you want to be in the long-term future.

We provide personalized attention to the details of the plan, so it fits with who you are and what you want to accomplish, and also so you experience the least amount of stress.  We make sure that it gets done.

Along the way, we coordinate with your other advisors – your accountant, attorney and insurance agent—to make sure everybody is on the same page and the overall plan is consistent and efficient.

Your total financial well-being is our most important concern

Our investment strategies are long-term in nature, based on the most compelling academic and scientific literature, and also grounded on our decades of experience with the ever-fluctuating investment markets.

We do not engage in market timing because the evidence—and our experience—strongly suggests that jumping in and out of the market not only doesn’t work; it’s dangerous to your financial health and well-being.

Look back, move forward

We believe every financial plan should be a living document that serves your changing needs.

As you move forward in your journey, your circumstances will inevitably change.  You’ll achieve short-term goals and need to make new ones.  The unforeseen will happen. There may be pleasant surprises; there may be setbacks.

You may need to change direction to get back on course, or you may find yourself making new, better goals.

Financial planning is an ongoing process that adjusts with your circumstances.  As we work together, we’ll revisit and review your life changes, and help update your goals, strategies and objectives as needed.

Putting your interests ahead of all others

Key to our business philosophy is a professional commitment to the well-being of everyone with whom we work.  You will never have to question our loyalties, or wonder if our advice is related to product sales or other financial conflicts of interest.

We put your interests first when we answer questions, when we give advice, and when we work with you to map out a plan.

In the profession, this is called the “fiduciary standard” of practice.

We call it the right way to provide advice for our community.