Values Expected
From Us

• Our guidance is grounded in alignment: we ask ourselves “what counsel would we value if the roles were reversed and you possessed the same financial expertise we do?”

• We evaluate every recommendation within the context of your full financial landscape and broader life objectives. Investment decisions are never made in isolation. 

 

We are honored to be entrusted with the stewardship of our clients’ financial lives.
 

• Inspired by Isaac Newton’s insight: “If I have seen further, it is by standing on the shoulders of giants.”

• We draw lessons from generations of exceptional investors, including:

  • Ben Graham - The father of Value investing and author of The Intelligent Investor Warren Buffett called this “By far the best book on investing ever written.”

  • John Templeton - an American-born British investor, banker, fund manager, and philanthropist.

  • Warren Buffett - chairman and largest shareholder of Berkshire Hathaway

  • Charlie Munger - Co-Chairman and confidant of Buffett - Poor Charlie's Almanack: The Essential Wit and Wisdom of Charles T. Munger  

  • Jim Rogers - co-managed a hedge fund with George Soros, which returned 4,200% over a ten-year period 

  • George Soros - long-time successful hedge fund manager and author of  The Alchemy of Finance

  • John Neff - ~13% return over 30 years vs. SP 500 10.6% - John Neff on Investing

  • Philip Fisher - Author and proponent of owning high-quality businesses and author of Common Stocks and Uncommon Profits

  • Peter Lynch - legendary investor who managed Fidelity Investments' Magellan Fund from 1977 to 1990 and achieved a 29.2% average return

  • Ralph Wanger - small company investor focusing on financial strength, entrepreneurial managers and understandable businesses - managed the Acorn Fund to an impressive annual gain of 16.3% vs S&P 500’s return of 12.1% per year over the same period

Our Investment Approach

• Focus simply on the relationship between price and intrinsic value aka “Margin of Safety”

• Seek opportunities to buy securities trading at a meaningful discount to their underlying worth, whether driven by short-term fear or old-fashioned neglect.

• Decisions are disciplined, intentional, and grounded in decades of proven investing principles.
   

We have a duty to continue the honorable work of investing well and caring for clients.

 

Committed to Protection

• We take seriously our role in safeguarding clients against financial risks wherever possible.  

• This trust is a privilege that we strive to earn every single day.

Reality Check

• Please remember that we do not control the markets and cannot predict the future with certainty.

• Our decisions are based on probabilities and disciplined analysis, not guarantees. "Markets (and individual stocks) can do anything they want at any given time.”  Dan Myers  

Unwavering Client Loyalty

• We serve as a dedicated guardian of our clients’ financial well-being, with integrity and humility.

• We act in your best interest, removing conflicts of interest and ensuring advice is aimed solely at achieving your goals.

• We serve as a steadfast guardian of our clients’ financial well-being, with integrity and humility.

Prudent Risk Management

• We avoid catastrophic risk whenever possible and never knowingly take it.

• This requires a more cautious approach when valuations are high. 

Opportunistic Investing

• When prices are compelling, we can shift quickly to a more aggressive stance.

• Markets move rapidly, and attractive opportunities often emerge suddenly, especially during unexpected disruptions.

• As Sir John Templeton advised, “buy at the point of maximum pessimism”.

Circle of Competence - staying humble

• We avoid investing in areas outside of our circle of competence. However, this may lead to us not owning some of the more popular areas of the market at a given time.  

• "Knowing what you don't know is more useful than being brilliant. You have to figure out where you've got an edge. And you've got to play within your own circle of competence".  Charlie Munger

• "It ain't what you don't know that gets you into trouble. It's what you know for sure that just ain't so".  Mark Twain

• “Ego and hubris can get you killed in investing.” Dan Myers 

Embracing Responsibility

• We willingly accept the inherent challenges of this profession, placing the well-being and security of our clients above our own.

• Investing for others can be stressful, but we take proactive steps to manage stress constructively. This includes time with family, outdoor activities and time with God.

Emotional Discipline

• A core strength that sets us apart is maintaining control over our actions and emotions, regardless of circumstances.  

• "Success in investing doesn't correlate with IQ ... what you need is the temperament to control the urges that get other people into trouble in investing." Warren Buffett

Uncompromising Integrity

• Integrity, character, and honor are non-negotiable standards in all we do.

Fiduciary Commitment

• We manage client assets exclusively on a fiduciary basis.

• When decisions are needed, we lead decisively and guide our team to accomplish the mission of benefitting our clients through these actions.

Mental Strength & Resilience

• Clients can expect us to remain calm, courageous, and resilient in all market conditions.

• We may not claim to be the fastest or the smartest, but we commit to being disciplined, courageous, and steadfast.
   

Parts borrowed from:
¹ U.S. Navy, “Navy SEAL Ethos,” Naval Special Warfare, accessed February 18, 2026, https://www.nsw.navy.mil/NSW/SEAL-Ethos