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OUR PROCESS

FINANCIAL PLANNING

Principles of Good Stewardship

Financial planning is about being a good steward of your resources. Making prudent decisions with saving, spending, borrowing, investing, preparing for the future and passing your wealth to the next generation.

 

Good stewardship involves defining your goals and taking the right action today to achieve them. It requires patience and discipline. Additionally, we should at all times conduct ourselves in a moral and principled way, and financial decisions are no exception. This extends to the following areas:

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  • Cash Flow & Budgeting

  • Retirement, Education and Goal Planning

  • Investment Planning

  • Risk Management

  • Tax Planning 

  • Estate Planning

  • Charitable Giving

The 6-Step Planning Process

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INVESTMENT PROCESS

We implement a three-stage evaluation process when considering securities for investment:

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1. A Good Business

The first question we ask ourselves is do we like the business? A good business should do something, or make something that is moral, good and useful for society. The business should be differentiated and protected from competition. Management should be honest and considerate of the shareholders, employees, customers, and other stakeholders. 

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2. A Good Story

We prefer to invest in industries with favorable tailwinds to future growth and momentum. Ideally there should be years of support to the business from innovation, demographic trends, consumer preferences, and societal changes.  

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3. A Good Investment

Finally, any business needs to be valued appropriately. A good investment today is one that is made at a discount to intrinsic value. High quality investments have healthy balance sheets, earn positive free cash flows, generate high returns on invested capital, and prudently reinvest in the business to maintain their competitive edge.

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