I'm a fee-only registered investment advisor managing investment portfolios and providing financial planning for my clients, many of whom are small business owners or retired. I am a value investor. Utilizing techniques learned from years of studying the masters of value investing, I am continually searching for investments that sell at a discount to intrinsic value and offer a sufficient margin of safety. A good yield serves as icing on the cake. While some clients want to be invested entirely in bonds, and others want to be invested entirely in stocks, I prefer to build balanced portfolios. But portfolios are not static. When bonds are cheap, I will overweight bonds. When stocks are cheap, I will overweight stocks. Additionally, I've been a CPA for over 20 years and have a small tax practice. Many of my RIA clients are also clients of my CPA firm.