​

Two key principles guide every decision David makes in his financial advisory practice. The first is that to give strong advice to a client, a strong relationship with them must exist. The second principle is a financial concept known as the Modern Portfolio Theory.

​

David believes that the ultimate goal of a Certified Financial Planner™ is to help clients make informed decisions. While these decisions typically revolve around dollars and cents, he understands that personal factors such as family relationships, life stage, and past experiences carry tremendous weight when evaluating these matters. For that reason, David believes that to help a client make the best decisions, he must have a clear understanding of who they are as a person. This makes it so the advice he gives is not just about their finances, but also about the lives that will be affected by the decisions made.

​

Modern Portfolio Theory ​is a Nobel Prize-winning essay first published by Dr. Harry Markowitz in 1952. The essay was considered groundbreaking at the time of publication because it challenged a widely held belief that the key to success as an investor was selecting the right investments. Modern Portfolio Theory refuted this and instead demonstrated that only approximately 8% of portfolio returns come from stock selection, while the remaining 92% came from what is known as asset allocation. David likes to explain this concept to clients by saying instead of keeping all of your eggs in one basket, you should keep all of your eggs in all of the baskets. He puts this theory into practice in his recommendations to clients by advocating for a widely diversified portfolio and an approach of sticking to your financial plan through the good times and the bad.