Consilium is Latin for wise counsel and prudent planning.
We endeavour to provide you with true consilium.
We believe proper management of your finances is about being a Good Steward of your resources. The Good Steward has a plan, acts with virtue, and lives with integrity.
The pillars of our process are grounded in the foundation of the virtues.
The prudent person thinks clearly, plans for uncertainties, and uses reason to make wise decisions. A prudent investment portfolio strikes the right balance of risk and opportunity for your goals and circumstances. A prudent financial plan prepares you for the risks you face with strategies to overcome them.
Our emotions have a habit of leading to poor financial decisions. Poor cash flow management from impulsive or emotional spending can lead to a crushing debt burden. Chasing returns and the fear of missing out can lead to taking on too much risk, and neglecting appropriate diversification. Temperance is exercising the restraint and self-mastery to avoid these mistakes.
The future is uncertain and our financial future faces many potential risks. We must determine which of those risks are best to avoid, which to should be reduced, and which risks we should accept. Accepting those risks that are prudent and worthwhile can be intimidating, but are often to the long-term success of a financial plan. Having the courage to carry out and remain committed to a plan is a key aspect of living virtuously with your finances.
Justice is about the responsibility we have to our family and community. Supporting our family with responsible spending, caring for their needs to enable them to flourish. We support our community by giving our time and money. Justice is also about promoting the common good and living as responsible citizens. We do this by investing responsibly, according to our values.
MORALLY RESPONSIBLE INVESTING
Our investment process seeks out companies whose business strictly aligns with your moral code. We adhere to the traditional values of our society, and we believe our investment portfolio should as well.
“The private sector must be not only an engine of growth and productivity, but also a reflection of our values and priorities, a contributor to the common good. Examples of greed and misconduct must be replaced with models of corporate responsibility.”
– USCCB Investing Guidelines
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