Phil’s main philosophy is that you must know your clients well; their financial needs and goals for the future, and how to fulfill both in a way that matches their personalities. He likes to urge them to invest for the long run, reinvest dividends, if possible, and be patient. Also, live within a realistic budget and be conscious of what things will cost to be owned, not just purchased. Pick careers with no mandatory retirement, and stay involved with family, friends, and community work. Try not to accumulate a lot of “stuff”, because he says, you’ll just end up throwing it away or storing it, or having to pack it up and take it with you. He believes that having a certain amount of wealth s