Our Philosophies

Advice Philosophy

A.D. Financial Planning works with you on a personal level. We spend time learning about you and your situation; we then look for effective ways to help you make the connection between your financial life and your goals and priorities in all other areas of life.

A.D Financial Planning does not sell products; we offer only our time and expertise. We do offer specific recommendations and opinions on various products and services that may be appropriate for your situation, and in turn can advise you where to obtain those products or services. If appropriate and at your request, we can also help with plan implementation.

A.D. Financial Planning is an independent firm that makes competent and objective advice accessible through fee-only hourly financial planning.

Investment Philosophy

A.D. Financial Planning advises that a well-diversified, balanced portfolio of low cost index or exchange traded funds, that match the performance of select financial markets, combined with long-term buy-and-hold strategies and periodic rebalancing increases the likelihood that you will achieve your long-term financial objectives.

Investments are by definition a risk and no one can predict the future. Difference of opinion makes a market. We do not suggest our recommendations will be the correct decision every time. We do believe, however, that studying the historic trends and relationships of investment classes along with appropriate allocation of investment assets for your goals and risk tolerance can provide valuable insight.

The design of the portfolio must take into account your financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes. 

For more information on the investment discipline and strategy of A.D. Financial Planning please contact us.