When it comes to money management, you need a financial advisor who tells you the plain, unvarnished truth. That truth being learned through many years of professional and/or hard-won personal experiences. Dave Mowatt has those experiences; more than 30 years of professional and 50 years of personal. He is the owner and principle of Mowatt Financial Inc., a company that specializes in corporate and individual money management and planning. Dave holds a degree in Economics from the University of Michigan.

Dave learned the importance of personal planning and written agreements early in life. Dave was just out of high school when his dad, an appliance repairman, died at the age of 46. The assumption was that young Dave would continue in the family business. His father's business partner had other ideas. Three days later the Mowatts were forced out and faced a very tough financial road. Insurance was inadequate and there were no written partnership agreements. A hard, and expensive, lesson.

Dave invests a major portion of client assets in mutual funds and variable annuities whose managers and goals he knows personally. Dave knows that you can't depend on old performances; you have to know where they're headed and how they plan to get there.

What Dave practices is not textbook living; it's not make-believe; it's real life and real business. You need written, personal financial goals and good business agreements. It takes discipline and it sometimes takes the aid of legal and financial specialists to make a business or personal financial plan a reality.