“Desmond has built a portfolio for me that has performed exceptionally well, it was tailored to my risk level and retirement plans. What I appreciate about his counsel is the time spent explaining the market and investment environment, eliminating the noise, and providing the fundamental reasons for the decision being made by discussing the pros and cons of each selection. I get regular updates on economic and market conditions and how it will impact my portfolio. Desmond has educated me on investments and has calculated the amount of time I need to work before I can achieve the retirement that meets my expectations while maintaining the lifestyle I have come to enjoy.“