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the right way to do business
Located in El Dorado Hills, California…far from Wall Street, we provide an objective point of view without the distractions found in large financial institutions and their many conflicts of interest. Our goals and those of our clients are one and the same. We work for our clients and only our clients’, their best interest drives our decisions. A true fiduciary relationship.
Let’s begin with an investment in you, taking the time to understand who you are and how we can help. Based on our discovery of your most important goals, we will design your custom wealth plan.
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What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others.
Paul R Rossi, CFA
President & Financial Advisor
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 Carmel beach in 2015
Several years ago, it became clear to me that people need help institutional level financial planning at an individual level. It also became clear after seeing how Wall Street and most advisory firms operate, I was determined to build a firm that put clients’ interests first. That meant setting up a Fee-Only RIA (Registered Investment Advisory) firm that does NOT accept any outside payments, commissions, bonuses or what's nothing more than kickbacks from Wall Street. - Unfortunately, most of the industry does not work under this same practice.
Trust has been, and always will be, the single most important factor that has to happen for people to have a successful relationship. I work hard to build trust and I feel a special honor in working with clients in a fiduciary capacity using time-tested institutional investment principles to help them achieve their goals. Our approach is aligned with our client's success, and we always work in our client's best interest period, a true fiduciary relationship. “I really enjoy helping people look at their finances from a different perspective; showing clients how we can apply sophisticated analytical tools to help optimize their portfolios to reach both their short-term and long-term goals. Our clients can then rest easy, knowing their retirement and investment portfolios has been specifically designed to withstand the day-to-day and year-to-year fluctuations in the market."  San Diego in 2022
personal
Married and a very active father, when I'm not chasing my children around the house, helping with homework or playing soccer with them, my passion outside of work is training and teaching martial arts. As a black belt, I've been teaching a Chinese based art for more than 30 years, which focuses on real world applications; I've taught law enforcement and military personnel extremely effective techniques that can be applied in a variety of situations. (Read about my journey here.) During my 30+ years of martial arts training I've learned so many aspects of my martial arts journey carry over to other areas of life, and in particular, the cognitive aspect of investing.  Snow Day 2024
In addition, more recently I took at class on Einstein’s Special Theory of Relativity (Stanford University Online), which has sparked my curiosity in the latest research in astrophysics and astronomy. I am currently working (very slowly) through some very challenging material: The General Theory of Relativity and Quantum Mechanics.
 My current project: 1969 Camaro
favorites
Restaurant: Casanova in Carmel, CA First job: Paperboy - The Sacramento Union Movie: X-men (all of them!) Shows: Breaking Bad & Game of Thrones Fiction Books: The Journeyer by Gary Jennings and Shogun by James Clavell PADI: Open Water Licensed Scuba Diver since 1997 Hight School Cars: 1966 Mustang, and two 1967 Mustangs. Current project car: 1969 Camaro LS3 background CFA (Chartered Financial Analyst) Series 7 & 63 FINRA Securities Licenses (prior) Licensed California Real Estate Broker Columbia University: Advanced Options/Derivatives Course New York Institute of Finance: Wealth Management Certificate B.S., Finance from California State University, San Diego/Sacramento CFA Institute Volunteer - Standard Setting, Examination Reviewer CFA Institute Journal - Abstract Author Supports & donates to Khan Academy published CFA Institute Journal articles (click below to read) - Buffett's Alpha - Value versus Growth Investing: Why Do Different Investors Have Different Styles? - A Five Factor Asset Pricing Model - Building an Efficient Income Portfolios - Value and Momentum Everywhere - Uncovered Equity Parity and Rebalancing in International Portfolios - Challenges to Mismeasurement Explanations for the US Productivity Slowdown - When Does Active Management Add Value? - Are Alternative Investments Prudent? Public Sector Pension Use and Fiduciary Duty - The "Defined Ambition" Pension Plan: A Dutch Interpretation - An Anatomy of Commodity Futures Risk Premia - Earnings Management in India - Information, Analysts, and Stock Return Co-movement - An Index-Based Measure of Liquidity |