An Honest And Customizable Approach
The question “How can we help you?” is at the core of everything we do. We take an adaptive and personalized approach to financial planning that begins with getting to know clients and understanding their priorities. We believe in open communication and the importance of working as a team, and we strive to make the process enjoyable with a touch of humor.
We Work So That You Can Enjoy The Beauty In Your Life
We are committed to providing high-quality, personalized service to clients who are located all across the country. If you need guidance with investments, support in the face of financial challenges, or just want to make the most of your retirement, we are here to help.
Ralph Winn
OSJ and Manager
Mr. Ralph Winn is an “Old School” professional in that he believes in being able to measure your results vs the S & P 500. In this manner you know what the goal is for each, thus you can measure your performance.
In “Old School” we believe in results in which you can see. If the S & P is up 10%, then “Old School” says you should be equal or greater. If a fee is taken out, then that amount should also be made above the 10%.
As an investor, your goal is my goal – be it income-related, or growth-related, or a combination of both. During your life you will go through all three of these.
If you want a more modern model – the Holistic model, which does not measure its performance, but sounds beautiful and complicated, does not perform nor is measurable – then by all means go work with those professionals.
“Old School” does not use a lot of the new investments as their performance is not there on a constant basis. You will not have a lot of ETF, limited partnership, or investments turned over to a third party to manage for a fee. We use stocks, bonds and fixed income such as Preferred Stock, etc. This style brings together stocks that just fit around your goals and likes. The income side is also designed the same way.
Who are my clients? They are doctors, attorneys, teachers, widows, young people, newly married couples, CEO’s, CFO’s, those who are already retired and need to ensure the funds can go as long as possible. You may not live to be 100, but we can still try to get you there financially.
Remember, the road to success is not smooth nor guaranteed, but if you try and use the best possible investments, you will be happy with your success. Also, what took place the last 30 years may or may not happen again. If you try to have something you can measure and of quality, you will know if you are on the correct path to success. If not, there’s no telling where you will end up.