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An old joke may help explain our philosophy: An oil prospector, on his way to Heaven, is met by St. Peter at the pearly gates with some bad news. "You're qualified for residence," St. Peter said, "but, as you can see, the compound reserved for oil men is packed. There's no way to squeeze you in." After thinking for a moment, the prospector asked if he could say just four words to the present occupants. St. Peter thought it seemed harmless, so the prospector cupped his hands and yelled, "Oil discovered in Hell." The gate immediately opened and all of the oil men marched out of the compound to head for the nether regions. Impressed, St. Peter invited the prospector in. The prospector paused, then said, "No, I think I'll go along with the rest of the boys. There might be some truth to that rumor after all."

The point of the story is that too often investors chase the crowd and "hope" things turn out all right. At our firm, after having experienced two significant market collapses in the past 19 years, we recognize the inherent limitations of investing with the hope that the general markets will increase. We prefer the “tactical sailing ship” vs the “plow horse” method of investing. This leads to our specific philosophies of investing:

1) People who are in or near retirement can’t afford to lose their hard-earned savings and make it up later.
2) Over time stock markets generally go up but may have significant drawdowns in that journey.
3) It’s easy to sell and get out but much harder to buy and get back in.
4) Rules-based investing is necessary to help eliminate the fear and greed inherent in stock market ups and downs.

We use market oriented tactical investment strategies designed to provide the opportunity for growth while at the same time attempting to provide some protection from a long term down-trending market. Of course, like all investing, we can’t guarantee your investments will always increase. There is risk of losing money. We attempt to reduce that risk.

Advisory services and securities offered through Centaurus Financial Inc.,
member FINRA and SIPC.
a registered broker/dealer and registered investment advisor.
1186 E. Grand Ave., Arroyo Grande, CA 93420
Phone: 805-473-6679 Fax: 805-473-0751
CA Insurance License #0703952