UNIQUE STRATEGY  A Personal Balance Sheet reflects both the wealth and the well being of an individual or a family unit. A Balance Sheet is comprised of many parts and is impacted and directed by advice and input from many advisors and sources. As a symphony orchestra requires a conductor, a maestro, to produce a pleasing and enjoyable sound, the development and maintenance of your Personal Balance Sheet needs one team of independent and objective advisors to orchestrate the efforts of the many players who participate in designing and keeping your Balance Sheet on target and this process finely tuned. An Orchestra without guidance and leadership produces a discordant sound. An individual or family wealth management program without oversight and vigilant planning produces less than the desired results. At Alms & Associates, Inc. we welcome the opportunity and challenge of insuring that the various professionals involved in your wealth management program pool their knowledge and offer advice with one voice. We take the broader perspective, and our only agenda is to insure that your agenda is followed. Because we sell no products, manage no funds, prepare no legal documents , we maintain a high level of professional objectivity by recommending and selecting with your guidance and concurrence those firms that present a best of breed practice model. Our job is to make decisions with your best interest at the center of the process. By serving as your Personal Chief Financial Officer, we assume the responsibility of providing you succinct, detailed and unbiased information in a process designed to allow you to enhance and improve your Personal Balance Sheet. We become the Conductor of your Personal Balance Sheet. Our job simply is to advise, guide and protect.