The Power of Clarity

Most financial plans are dozens of pages long, full of charts, jargon, and assumptions you’ll never revisit. We think that’s backwards.


That’s why we created the 1 Page Financial Plan (1PFP).

A streamlined, intuitive summary built for real life. It’s the opening page of every portfolio review, and sometimes all that is needed – depending on how deep (or not) you want to dive into the details.

Your "War Chest" & "Guardrails"

We replace intimidating spreadsheets, confidence intervals and Monte Carlo Simulations with two simple, powerful concepts:

1) “War Chest”: Your reserves for liquidity, opportunities, protection, and peace of mind.

2) “Guardrails”: Upper and lower limits for your asset balances that dictate when we need to make adjustments to keep you on track without being tortured by market volatility.

The Science Behind the Simplicity

+ Decades of academic study and applied investment management and planning experience

+ Endowment-based research on Dynamic Spending Policy under market Uncertainty

+ Advanced Statistical Analysis and Monte Carlo simulations to test thousands of possible futures

+ Mean-variance optimization to balance risk and return through diversification & asset allocation

+ Behavioral finance insights and guidance to help you stay on course in any market environment



The 1PFP has sufficient complexity to be taken seriously, but is presented in a simple, easy to follow plan that leaves you facing your financial future with confidence

Think of the 1PFP as your personal financial GPS: 100% dictated by your stated goals (destination) and financial situation (current position). Need to make a detour? Add another stop along the way? Or change the destination all together? . . . No problem!

We map out your course, and just like a good interactive GPS, the1PFP can guide you around traffic jams, warn you of dangerous conditions, or confirm you on track and on schedule. If you begin to drift off course, or the market landscape shifts - we can guide you gently back between the lines by making portfolio adjustments toward your goals.

Why It Works: Our clients tell us they . . .

Make smarter decisions without overthinking

Stay committed to their plan through market ups and downs

Feel calmer and more confident about their money