With a focus on wealth management, retirement, long-term care, and legacy planning, David J Abercrombie has been a trusted wealth consultant for over 35 years. His main objective is helping families, high-net-worth individuals, and small businesses optimize their investment strategies. David works to coordinate, simplify, and seek to improve his clients’ financial lives by turning information into execution. Informed decisions should be in service to the plan. He believes that grounded in a financial philosophy, clients can comfortably make informed decisions on personal investment, retirement, risk management, protection, and estate matters. David helps his clients understand, in plain English, their options for growing and preserving wealth in a way that honors their underlying values. He practices a unique form of estate planning that goes far beyond strategic wealth distribution. David believes that a meaningful estate plan comes from knowing your values, planning from your values, and living your values.
We adhere to a simple yet strict philosophy and work with our clients to structure their portfolios with a clear objective: Their assets outlive them; if they ever lose their health and become frail, they don't become a burden to their wealth and the people they love; and make sure their assets are distributed as they wished. Every portfolio is tailored to those clients’ unique goals. They are structured with an emphasis on minimizing risk, minimizing taxes, and minimizing fees. Our main goal is not superior investment performance but superior performance with less-than-commensurate risk. Above-average gains in good times are not necessarily proof of a manager's skill; it takes superior performance in bad times to prove that those good-time gains were earned through skill, not simply the acceptance of above average risk. Thus, rather than merely searching for prospective profits, we place the highest priority on preventing losses. It is our overriding belief that, especially in the opportunistic markets in which we work, "if we avoid the losers, the winners will take care of themselves."