Our Philosophy

“No problem can be solved from the same level of
thinking that created it.”

Our Mission

• Wealth and Business Planning Group, LLC (The Financial Quarterback TM) was founded for the explicit mission of serving the needs of the individual investor no matter what their portfolio size or income. We also started the company with the belief that for the most part, Wall Street and the big investment firms could care less for average Investor. Firms continue to treat investors with little to no respect, and investors have become nothing more than an account number to generate commissions and consumers of the firm’s next grand idea.
  

Independent and Unbiased

• We believe that having the ability to provide independent & unbiased advice is paramount for both the success of our clients and our firm.
  
  
• We believe that our compensation structure allows us to adhere to our goal of providing objective strategies that benefit our clients, not our firm. We sit on the same side of the table as you – Our Client.
  

Expenses

• Expenses have a negative effect on your performance. Our total portfolio expenses will typically reduce your costs by over 50% of other popular strategies.

Investment Strategy-FREE MARKETS WORK!

• Capital markets work - risk and return are directly related – THERE IS NO FREE LUNCH

• Despite the scientific underpinnings, we believe that the investment discipline that we provide is not rocket science. Many of our clients have the intellectual ability to practice it without us. Yet our investment services are valuable to them because we take the emotions out of their decisions, we help to better manage human investor behavior that is the root cause of underperformance.

• We believe that “Free Markets Work”. Markets are moved by news. News is unpredictable and random by definition. Therefore, the markets movement is unpredictable and random. However, this market randomness does have a positive average of about 10% per year because capitalism works¹. Active managers who have claimed to outperform a market average or index have also implied that they have the power to predict tomorrow’s news. But since it is impossible to consistently predict the future, the results of active managers are unpredictable, random, and often below market.

• The average actively managed investment typically under performs the indexed investment, when all costs are deducted¹. Those actively managed investments that beat the indexed investments fail to consistently and predictably beat the index in the future. The reason for market beating performance in a random market is simply due to luck and not due to a skill that is repeatable. Research shows that less than 3% of active managers beat an appropriate index over a 10 year or longer period. Needless to say, it is nearly impossible to predict those winners in advance. Lucky investors are well advised not to expect a continuation of their good fortune.

• Actively managing your money can expose your portfolio to higher risk and lower returns, compared to a globally diversified, prudent portfolio of index funds. This is due to commissions, higher management fees, margin costs, taxes, stock randomness, and market efficiencies. Active money management can be hazardous to your wealth.₁

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¹ Lipper Analytical, Wilshire Associates, Standard and Poors, and The Vanguard Group
Charles D. Ellis, Winning the Loser’s Game, Fourth Edition (New York:McGraw Hill, 2002)
Dunn, P. and R. Theisen, “How Consistently Do Active Managers Win?” Journal of Portfolio Management (1990)
Elton, E.M. Gruber and J Rentzler, “The Performance of Publicly Offered Commodity Funds,” Financial Analysts Journal (1990)
Kritzman, M., “Can Bond Managers Perform Consistently?” Journal of Portfolio Management (1983)
Malkiel, B., “Returns from Investing in Equity Mutual Funds 1971-1991,” Journal of Finance, June 1995
Carhart, M., “On Persistence in Mutual Fund Performance,” Journal of Finance, March 1997
Eugene Fama, “Random Walks in Stock Market Prices,” Financial Analysts Journal September/October 1965 (Reprinted
January/February 1995)
Malkiel, B., “A Random Walk Down Wall Street”, 8th Edition (New York: Norton & Co., 2003)

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