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Investment Philosophy

Our 3 Pillars to Success


Our passion for the growth and conservation of our clients’ money has led us to a distinctive approach to wealth management.

We know that cost matters. Therefore, we do our best to choose investments that have had consistently low management fees and transaction costs. It is our goal to use the best in class institutional investments.

We utilize a wide range of investment options. In addition to the traditional type of investments that advisors use, we offer a number of other investments, some of which are not necessarily correlated to the stock market. Many of our clients’ portfolios are designed using the “endowment model,” which seeks to utilize a number of non-correlated asset classes.

We offer a personalized approach. Each one of our clients is unique; therefore, we take the time to know our clients and tailor our advice to their unique needs and desires.

We offer financial planning for our clients, when needed or requested. If you are working, we can design a plan to show what is necessary for you to retire when you choose, with the lifestyle you want, and with freedom from financial worry. If you’re already retired, we can help you determine what will be needed so that you don’t have to worry about running out of money.


We are committed to providing uncompromising integrity to each client. We never take custody of a client’s money. All assets are held in the client’s name with either Fidelity or LPL Financial, the nation’s largest independent broker/dealer.*

As fee-based advisors, we will recommend what we believe is best for our clients as we have a vested interest in our clients' success. We will not offer any proprietary products or investments that don’t meet the investment goals and objectives of our clients.


Our specialized team at Perennial Financial Services is committed to providing exceptional personal care and service. We don’t simply want to provide good customer service. Instead, we have the brave ambition to provide the best service you will ever experience. We answer the phone when you call. We want to know you, to understand your situation, and to be your family office. We work with your other trusted advisors: attorneys, CPA’s, etc. as we aim to develop lifelong relationships with our clients and their families.

*As reported in Financial Planning magazine 1996-2023, based on total revenues.