Specializing in helping educators and their families plan for their future.
Greg Rustad CFP®, BFA™
Born and raised as the son of a teacher, Greg has a special appreciation for educating. As a financial advisor, Greg's approach is not just to educate, but also to simplify the world of investments and personal finances.
Greg is not obligated or under pressure to meet sales goals, recommend specific proprietary products, or sell specific investments. Being an independent advisor allows him to align his investment recommendations with the goals of his clients.
Greg's tools and process
THE CERTAINTY OF UNCERTAINTY
Uncertainty and stress of any kind introduce emotion. Mitigating these feelings often results in better decision making and more peace of mind.
HELPING YOU MAKE DECISIONS
Greg teaches the four "Rs" for rational decision making. Recognize, Reflect, Reframe and Respond.
THE SMART MONEY PHILOSOPY
A technique that recognizes that while the future can't be predicted, steps can be taken to address uncertainty.
THE ALIGNMENT MODEL
An understanding of the real self and the ideal self allows us to better align the two for more precise goal setting.
One of the limitations of using tested investment theory to provide people with rational financial advice is that people sometimes don't act rationally.
As a Certified Financial Planner (CFP®), Greg is a firm believer in traditional financial principles. However, there are limitations to how traditional advice is delivered and received. This is because emotions often lead to irrational decision making.
For example, investors tend to get worried when markets are down, sometimes selling investments at inopportune times. On the flip side, many investors buy in at higher prices when the market is rising, so the only way to record gains is if the market continues to rise. These emotionally driven actions are not based on rational decision making.
Financial advisors often are challenged to encourage clients to follow a rational course when emotions are driving them to act otherwise. That’s where the Behavioral Finance Advisor (BFA™) designation comes in.
As a holder of the Behavioral Financial Advisor (BFA™) designation, Greg has a deeper understanding of how decisions are made, and how to give you a new way to think about your investment decision making process. The goal is to empower you to make more rational (and less emotional) decisions and provide guidance in the entire decision making process.