Pam Setia

Behavioral finance recognizes that individuals often make decisions that are influenced by emotions, biases, and cognitive errors, rather than purely rational analysis. By understanding these tendencies, we help our clients make more informed decisions and achieve their short and long-term financial goals.

Holistic financial planning, on the other hand, takes into account all aspects of a client’s financial situation, including their goals, assets, liabilities, income, expenses, and risk tolerance. It goes beyond simply managing investments to address broader financial concerns such as retirement planning, tax strategies, insurance needs, estate planning, and more.