There is the management of your money and there are all the things around your money. Neglect either and that will take its toll. Attend to both and you achieve a rare union of financial excellence. In working with individuals and families, that excellence is our objective: we apply the science of investing and surround it with the art of financial counsel.

The Science of Investing: we see tremendous merit in the macroeconomic, passive-indexing approach espoused by Charles Ellis (Yale Endowment investment committee) and David Swenson (Yale Endowment Lead Manager). In line with Modern Portfolio Theory, we believe that markets are efficient, that "alpha" (beating the markets) is exceedingly difficult, and that Asset Allocation is THE critical, defining factor in the management of risk and return in portfolios over time. The "little things" also figure in large over time: rebalancing, lean internal expenses, tax efficiencies, capitalization tiltings, value vs. growth tiltings, and steadfast discipline.

The Art of Financial Counsel: consistently solid financial decisions come from working all the things around your money. They include visualizing a clear financial plan, prioritizing goals & objectives, and periodically refining that picture. While this may seem basic, nonetheless most folks need an "occasion " and a skilled "thought partner" to do this and do it effectively. Good information is key to good financial management, namely current cash flows management & asset tracking. Overall tax strategizing and liabilities management (asset protection) are important. And many seek objective counsel on what can be emotional issues: money and retirement, children and money, marriage and money, intergenerational communications on wealth transfer. This is financial counseling.

The union of the two: this is what we do.

©2007 Butler Financial Services, Inc.

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