Roxanne Turner, Turtle Creek Financial Group

protection in a strategy that maximizes distribution. Accumulation, while imperative, is irrelevant if the investor cannot protect his gains. Making money simply to give it back wastes not only money, but the opportunity from time and effort utilized in the process. Worse still, however, is the investor who further experiences loss of principal. Aside from the emotional toll the investor incurs, wealth simply compounds quicker and with better results when losses do not have to be recovered before another gain is realized. At Turtle Creek, we find it unacceptable to implement a plan that promotes the growth of capital without procuring the necessary safeguarding of that wealth. Furthermore, working hard to grow an investor’s assets is deficient if those assets cannot be accessed and distributed with efficiency and maximum cash flow. When principal is not inherently protected through the asset management strategy, then the investor is forced to reallocate his principal to more secure yet equally less yielding investments. If, however, the principal is fully protected as a structural quality, then such reallocation and the forced acceptance of lower yields to mitigate risk is unnecessary. Allowing higher yields, then, even equal to that during the accumulation phase of an investor’s life, provides the investor exponential cash flow compared to the aforementioned alternative. In addition, the investor should have access to his wealth when he needs it, for while market cycles often find themselves in the spotlight, too often the investor’s own life cycle gets lost in the shadow. It should be evident that the philosophy of Turtle Creek is simple yet profound. It is obvious to those who consider it, however it is rarely executed. At Turtle Creek, we believe the first two of these objectives should never be separated, for in congruence, they yield the third. Any alternative is unapologetically unacceptable. As such, we encourage you to welcome our philosophy as your own: Protect Assets, Grow Wealth, Live Well.