The High Earners Retirement Optimization strategy, or H.E.R.O. for short, is a comprehensive solution designed to empower you to become the hero of your own financial story. We all have a lifestyle we desire, and our job is to work behind the scenes as your personal financial guide to help you achieve yours now and throughout your career and beyond. The H.E.R.O. approach is rooted in five core beliefs:
Core Belief 1: Defense wins championships.
In sports, everyone knows that offense wins games, but defense wins championships, and it’s no different when it comes to your finances. Earning a good living and getting a good return on your investments is important, but making sure you’re protected from unforeseen financially-devastating events is even more important to your overall financial wellness. Whether it’s in the form of an emergency savings account, a disability insurance policy, or some other asset protection tool, it’s important to always stay on defense when it comes to your finances.
Core Belief 2: Relationships are critical.
Forming a personal relationship with you is a high priority for us because knowing you in a deeper way helps us make a difference in your life. Once we know what you care about, what you want to accomplish, and what keeps you up at night, we can help you live the life you want. With a foundation built on trust, we act as an accountability partner to make sure you’re staying on the right path and making progress toward your goals.
Core belief 3: Action beats talk.
As a client of ours, we’ll spend a lot of time talking, listening, and planning with you, but it doesn’t end there. We pride ourselves on being an action-oriented firm, so every time we meet, you’ll get an action list lining out the things that are in your court to do, and an action summary outlining what we’ll be doing.
Core Belief 4: Coordination is crucial.
If you’re like most physicians, you probably don’t have a well-coordinated financial plan* in place. You’ve gotten financial advice from all sorts of people and have made are a series of isolated decisions over the years, resulting in a variety of policies and accounts that are not aligned to any specific goals. It’s important to get everyone to the table, including your CPA, lawyers, and financial advisors, and to look at things holistically and make sure everything is working in harmony.
Core Belief 5: Success must be defined.
What does success look like to you? If you can’t answer that quickly and easily, you should spend some time figuring out your definition of success because otherwise, you’ll always want more and what you accomplish will never be enough. It's important to get everyone to the table, including your CPA, lawyers, and financial advisors, and to look at things holistically and make sure everything is working in harmony.
