The El Camino Story

cont.

3)  After doing a lot of research I discovered that 95% of mutual funds didn't outperform the SP500 index which lead me to believe that Indexing was the best way to accumulate wealth.  January 22, 1993 became a pivotal moment in time, the first tradable Index, the SP500 "SPY" ETF when public. That lead to a dramatic reduction in time  researching individual stocks and bonds and freed up more time to watch the market trends.
 
4)  Where there's money there's greed.  A top broker and branch manager once told me "I'll teach you how to take money from their [our clients] pocket and put it in yours."  He sounded like a use car salesman.  My thought was there's trillions of dollars in the financial markets; a person could make a honest living without stooping to dirty practices.  FINRA, the industry watchdog, later found he had cheated on an exam; he was "disbarred for life."
 

That’s why I became a Certified Financial Fiduciary®. In an industry often clouded by hidden fees and conflicting incentives, I wanted my clients to know—without a shadow of a doubt—that my advice is legally and ethically bound to their best interest. I wanted to remove the question, 'Is this good for me, or good for him?' 
 

I started Coaching because I learned that money isn’t just about math; it’s about mindset. Life happens. Emotions derail logic. As a coach, I don’t just tell you what to do; I walk beside you to help you change your behavior, overcome fear, and actually stick to the plan we built.

Finally, I realized a majority of Americans don't need a $3,500 financial plan.  Most Americans are below the $15,000,000 estate tax limit so all most of us need is just a very simple plan that includes simple investments mixed with simple life insurance etc.   At El Camino Real Financial Advisors we believe in the KISS method or  "Keep it Simple Stupid" plan.