CHERYL J STULTZ

It is very important to "begin with the end in mind" (Dr. Stephen R. Covey). Rarely does a beautiful, healthy and diverse garden, with high yields, happen by accident. The same is true in one's financial life. Financial planning, like gardening, requires diligence and commitment. First, we work together to carefully choose the seeds for your portfolio. Next, we cultivate and care for your crop, making adjustments as needed, until a time when the results of our hard work are ready to be harvested. Our aim is to plant and grow a crop big enough to meet all your needs and desires at fruition... During the process, the environment presents elements in which you have no control: it rains too much, weeds invade the field, harmful insects infest the plants, etc. Many uncontrollable issues affect our investments too: interest rate fluctuations, inflation, currency values, even global weather. The markets move in cycles - with periods of strength and weakness. Being patient and sometimes..