Our Philosophy

At Karen Lee and Associates, we adhere to the following guiding principles:

  • We believe that all people deserve to be heard and that their situations are unique and important to them.

  • We believe people should live beneath their means and commit to serious saving to adequately plan for the future.

  • We believe in insuring against unnecessary risk.

  • We believe in helping people help themselves to work toward achieving their dreams through planning.

  • We practice what we preach.

In making financial and investment decisions with clients, we use a disciplined approach:

Financial Planning

Age, investment horizon and risk tolerance must be considered when making important financial decisions. It is inappropriate to recommend an investment without first obtaining pertinent investor information. To that end, we will prepare necessary financial statements and a comprehensive financial plan to assist us in recommending investments that are most suitable for you.


We believe that diversification is the key to investing in the market. While there is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio, it is one of the best ways to help smooth out the volatility of any portfolio. Diversification does not protect against market risk.

We consider using non-correlating assets when appropriate to further diversify our client's portfolios.

Asset Allocation

The science of diversification was made famous when the authors of "Modern Portfolio Theory" won the Nobel Prize in Finance in 1990. It has proven over time to help reduce the inherent risk in investment portfolios.

Asset allocation enables an investor to reduce the overall volatility of the portfolio. However, using an asset allocation methodology does not guarantee greater or more consistent returns, nor assure against market loss.

Specialist Third Party Money Managers

We do not claim to be experts in money management, but instead, financial planners who understand the comprehensive whole of our client's situation. We rely on carefully selected third party money managers to handle the specific investments of our clients' portfolios. We serve as the filter and selector, providing ongoing monitoring of these specialists' performance.

Review and Update

Financial plans should be updated regularly. Whether this is annually or every 3 – 5 years is determined by the client's unique situation, and changes occurring in their life. However, all situations require regular review to ensure that plans remain current.

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About Us

You can be sure you are working with someone who has passed a stringent vetting process.

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We use a variety of insurance
and investment vehicles to
help you implement your
planning strategies.

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In The News

Karen Lee is a frequent guest
on CNN Newsroom and her 
articles have appeared in
many publications.

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