Comprehensive Financial Planning

Intelligence, knowledge, experience and integrity are the tools and characteristics one should seek in a financial advisor. With these, the client's best interest will be served. We are willing to spend the time necessary to develop the understanding of the client's goals that is essential to generating the optimal strategy to help each client obtain and retain wealth. To achieve the optimal outcome, all aspects of the client's legal, accounting, tax, actuarial, investment and estate planning goals must be considered. Clients need an intelligent, well educated, and hard working professional. But, most importantly, clients need a consultant who puts the interests of the client first!

The first step of Financial Planning is the process of gaining the in-depth understanding of the client's desires, hopes, dreams, goals, fears, resources, and preferences. The clarification of these is followed by the development of strategies designed to minimize taxes, optimize investment returns and control risks that will move the client from where they are to where they want to be. We understand that it is essential to build a financial structure that will enable the client to comfortably achieve their goals.

All change, no matter how beneficial, is stressful. We do not attempt to restructure all of a client's assets in one fell swoop. Adjustments are carefully thought through to make sure that unforeseen consequences are not experienced. Only after clients have had time to evaluate and become comfortable with recommendations are they implemented. Often, tax and other considerations dictate that the restructuring of assets and the fine-tuning of investments take place over a number of years.

Our objective is to help hard working people become financially secure, to help financially secure people become wealthy, and to help wealthy people become rich. We help the wealthy and rich clients develop plans to achieve their estate planning objectives at the lowest estate tax cost. No matter what stage you might be in, the achievement of your goals is our primary objective. This usually includes the management of investment assets in additions to the generation of strategies designed to control risks and minimize taxes.

Successful Financial Planning incorporates all elements of a client's feelings and preferences into an integrated program that enables them to spend their time and energy on other matters. It is our belief that an advisor must be licensed, knowledgeable and active in all relevant disciplines in order to fully understand the intricacies and interactions among various strategies and to be able to provide complete and unbiased advice. We pride ourselves in maintaining the broad knowledge base necessary to be of assistance to the wide range of clients that call upon us for advice.

Securities offered through Centaurus Financial, Inc., a Registered Broker/Dealer, Member FINRA/SIPC
James O. Davis, Registered Representative [California Insurance License #0712211]