Work and Knowledge Are Principles That Apply to Money.
Unique Advantage was created because no other financial planning firm existed that explicitly espoused the idea that learning and following time-tested principles is the correct approach to achieving and maintaining financial freedom. Almost all other financial planners follow a philosophy that is based on calculations and projections of a client’s so-called needs. We don’t believe anyone can predict the future needs of a client. We believe “needs-based planning”, which has been adopted by the majority of the financial services world, is simply a sales tactic, and has proven to be a massive failure over decades of its promotion and use. Needs means minimum. We believe most people don’t want to achieve minimum or have minimum protection. We believe people want the best outcome they can reasonably have, and therefore that is what we strive for.
We also don’t believe the stock market is the end-all-be-all that it has been made out to be. Again, we believe our clients are their own best investment. In fact, if anything, the stock market, and investing in it through mutual funds (the most common vehicle), has not worked for people. Although the majority of Americans have money invested in the stock market, the statistics prove that the amounts they accumulate will never help them achieve financial freedom. As such, we do not practice Assets Under Management (AUM). We believe the best investments a client can participate in are ones that cannot be sold by financial institutions and are not managed on Wall Street.