Constant Guidance Financial

Do you create comprehensive financial plans?

Q: While we do offer standalone planning packages (starting at $1,500), we generally work with clients who engage us to manage their portfolios. Why? A plan is only as good as its execution. By managing the assets, we can ensure that the tax strategies, income needs, and risk controls we recommend are actually implemented and protected over the long term, rather than just handing you a document to manage yourself.

Who will be making the decisions for my portfolio?

You will work directly with me. Unlike large firms where you might be sold by a senior partner and then passed off to a junior associate or a call center, you have direct access to your Portfolio Manager. As a dual-certified CFA® and CFP® professional, I personally oversee the strategy, trading, and risk management of your assets.

What is your investment philosophy?

I believe in a blended approach that combines the low costs of passive investing with the upside potential of active value investing.While I believe “buy and hold” works well as a foundation, I do not believe in simply riding the market rollercoaster without a strategy. My approach uses low-cost ETFs to build a solid core, but I actively seek out undervalued opportunities—high-quality assets trading for less than they are worth. By tilting the portfolio toward value, I aim to generate higher returns than a standard passive strategy while keeping a strict eye on risk management.

How do you help clients who are retiring?

I engineer your retirement paycheck. This involves active Tax-Efficient Withdrawal Strategies—determining exactly which accounts to tap and when (Traditional, Roth, or Brokerage) to minimize your yearly tax liability. I also proactively execute Roth Conversions during low-income years and harvest tax losses to offset gains. My goal is to extend the life of your portfolio by ensuring you keep more of what you earn.