We believe the primary risk of life in the 21st century will not be losing one's money, but outliving it in a 30-year retirement.

Risk has changed because life has changed. Our goal is to help our clients retire without compromising lifestyle, and without having any real concern about outliving one’s income.

We believe stocks and bonds fluctuate, and the best investors look beyond short-term fluctuations.

We believe that time in the market is much more important than timing the market. Prices go up and down, and in most cases, sticking with an investment is your best option—even through dramatic market declines or when other investments are outperforming yours. At the end of your investing lifetime, it will not matter what your funds did—but what you did.

We believe inflation is a long-term constant.

Inflation is a silent compounding tax. From 1950 through 2010, the cost of living increased every year but one.* Investments have to deliver an after-tax return better than the cost of living increase. At just an average annual inflation rate of 3% over the last 20 years, $50,000 would need to grow to $109,000 to provide the same standard of living.

*Bureau of Labor Statistics, http://www.bls.gov/cpi/cpifiles/cpiai.txt

We believe diversification reduces risk.

Diversification used to mean different asset classes and different companies in different industries in different sectors. Not only does diversification include those things, it also now includes different countries. By investing in funds that invest globally, we're able to help balance out regional impact on your overall portfolio.

*Diversification does not guarantee investment returns and does not eliminate risk of loss.

We believe we have to be owners versus loaners.

Historically, dividends from a portfolio of successful companies rise over time. Since 1961, U.S. equities have produced an annual rate of return of 10%, while Treasury bills have produced 5.27%

New York University, Leonard N. Stern School of Business http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histret.html

*Past performance is not indicative of future results

We believe it's vital to have a trusted advisor.

Selling at the bottom and buying at the top is natural. Why? Because investors are emotional. These emotions can lead investors to freeze from fear at the bottom and become greedy at the top. At Financial Concepts, we help take the emotion out of the investing process, allowing you to make knowledgeable, logical decisions that keep you on track for the future.

We believe optimism is realism.

Undoubtedly, you've had at least one illness—flu, pneumonia or some other infection—that would have killed you 60 years ago. Our society continues to make huge advances in both longevity and quality of life. The population aged 85 and older is growing five times faster than the overall U.S. population. At the same time, the microprocessor—arguably mankind’s most important invention yet—is only 40 years old. The world is changing at lightning speed. Sir John Templeton says, “It has often taken 1,000 years for the standard of living to double in most advanced countries, yet it may double for the world as a whole in the next 20 years.” We believe these are the good old days.

*Diversification does not guarantee investment returns and does not eliminate risk of loss.  Indices are unmanaged measures of market conditions.  It is not possible to invest directly into an index.   Past performance is not indicative of future returns.



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Financial Concepts is a registered investment adviser located in Columbus, MS. Financial Concepts may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Financial Concepts’ web site is limited to the dissemination of general information pertaining to its investment advisory services.

Please contact Financial Concepts at 662-327-1480 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Financial Concepts does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a Financial Concepts representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.