After spending a quarter century in this industry, Dave will tell you without any doubt, that the most important determinant of real-life, long-term investment outcomes is not investment performance. Rather, it is investor behavior. By keeping clients focused on a rational, well thought out financial plan, they have prospered for over two decades. During all this time, Dave has successfully navigated his clients through countless corrections, and more than a few nasty bear markets & recessions. Maintaining discipline through all of these challenging events was key to achieving very pleasing long term results.