Core Beliefs Listed below are Matthew Nye, Sean Thomas & Daren Kelley's clear and deeply held beliefs and convictions. These beliefs are firmly entrenched in wisdom and experience. The reading of these beliefs should give clients a clear understanding of philosophies practiced and implemented:Market timing cannot and will not be done.Long-term, goal-based investing is infinitely more important than performance-based investing.Asset allocation and diversification are the main determinants of portfolio total return.*The test of a financial plan is whether it causes your financial goals to be met and whether it protects you from things that can go wrong in your family’s financial life.Managing investor behavior is every bit as important as investment performance.Clients should understand what they are investing in and why.Clients should be communicated with on a consistent and regular basis.Superior client service will be acknowledged by our clients and proudly communicated to their friends and family.All wealth management issues need to be addressed in a coordinated, disciplined and systematic manner.*Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.*Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.