The object of investing is to optimize real returns after-tax and inflation.

Greed, fear, impatience, poor discipline, and letting the media affect decisions are seldom profitable long term.

Manage your cash flow and liquidity need and adapt as they change.

Financial markets are constantly evolving, so we are ready to adjust to changes in opportunities and protection.

Every investment should serve a purpose, and the goal is to seek compensation for taking on additional risk.

Focus on what you keep as opposed to just what you make. Taxes can have a significant impact in unexpected ways, which is why we make tax planning a priority.