We strive to keep the clients' needs before our own. Over and over again it has been demonstrated that as we take care of our clients, our clients take care of us. The evidence of this is that our primary source of new business is client referrals. The secondary source is educational seminars. In my 18 years in the business, many things in the economic environment have changed.
Inflation is significantly lower, but so are increases in real wages.
Corporate downsizing and consolidation has meant that fewer of our clients will be able to depend on company pension plans for their retirement. The cost of our children's and grandchildren's education continues to increase at a rate in excess of the general inflation rate. Personal residences, once the greatest source of a family's increased net worth over time, are no longer viewed as the best possible investment. Financial assets have had an unprecedented growth over the past 15 years. The increasing globalization of the market place and the interdependency of the world population is something of which we are all aware.