Mark Salzinger

Before making any investment decisions, I take time to get to know my clients through multiple conversations. I focus on understanding both their stated financial goals and their emotional temperament—especially how they might react under market stress. This deeper insight helps me determine an appropriate level of investment risk tailored to each individual. 

Every client receives a personalized investment strategy, shaped by both objective factors—such as tax status, income, age, and financial obligations—and more subjective elements, including risk tolerance and behavioral responses during market downturns. Primarily using low-cost mutual funds and ETFs, I attempt to build intelligently diversified portfolios that reflect the full scope of a client’s financial picture. 

Modesty plays a central role in my investment philosophy. I recognize that no one can predict markets with certainty, so I make only measured adjustments to portfolios based on my outlook, avoiding large directional shifts. I also prioritize responsiveness—my clients can expect timely answers to their emails and calls, even outside of traditional business hours.

What I find most rewarding is making a meaningful difference in my clients’ lives by maintaining a steady, disciplined approach—especially during volatile or unpredictable markets. I aim to be a source of clarity and consistency, helping clients stay focused on their long-term goals, even when short-term uncertainty is high.