·        25 years as a financial professional     ·        B.S. in finance University of Tennessee     ·        M.B.A. in finance Rutgers University     ·        Certificate in financial planning Belmont               University     ·        Passed Certified Financial Planner exam

My Philosophy:

Everyone has something they are passionate about.  For me, it is the science of investing. As a long time financial professional and investor, here are the most important things I’ve learned:

·        Design a portfolio that lets you sleep at night. This means the right balance between stocks and bonds.  Stocks are of course more volatile than bonds but they provide the critical growth that keeps us ahead of inflation.  Bonds on the other hand provide us with steady income and the stability of principle that gives us peace.

·        Only take risks that pay off.  Own a large number of stocks, not just a few. You can lower your risk significantly by owning a diversified portfolio of stocks yet obtain the same return that the average individual stock offers. Did you know that an individual stock has 3 times as much risk (volatility) as a diversified portfolio of stocks?

 ·        Watch your costs.  Investment fees and taxes can easily cut 3% or more annually from your investment returns.  Over a 20 year period, an investment of $10,000 will grow to $67,000 if it earns 10%, only $39,000 if it earns 7%.

 All this led me to conclude that indexed mutual funds, and particularly those of Dimensional Fund Advisors (DFA), are the best way to create wealth.  I started my advisory practice with a simple premise.  Offer the global excellence of DFA funds and charge a modest fee based on the assets of each client.  No commissions or fund rebates to cloud my objectivity.  In short, doing what’s best for the client.

A few quotes from clients that keep me inspired:

“The first time I met with Glenn he listened 80% and talked 20%.  He honed in on my needs.”

“To be honest, I don’t have the time nor interest to learn all about investing. That’s why I hired an advisor. But after about an hour with Glenn, I felt like I had enough knowledge to make smart financial decisions”

 “I hate to say it but I’ve always kind of felt that most financial advisors were just salespeople in disguise. Glenn is different.  I always feel we’re working together towards the same goal.”