Christopher Quinley - Get A Second Opinion & the 3 D's image

Focus on the 3 D's

Focusing on the three D’s — diversification, dividends, and discipline — can save you the daily stress of investment tracking and help you stay focused on your goals

I think, first off, that we can all benefit from a second opinion. Getting a second opinion from another advisor is always beneficial.

- Christopher Quinley

Diversification. Dividends. Discipline.

Christopher Quinley, CFP®, CIMA®, AAMS®, the co-founder of Liang & Quinley Wealth Management, says that one of his key tips for financial health is to invest using the three Ds: diversification, dividends, and discipline.


Portfolio diversification means mixing a variety of investments. Many financial professionals consider it one of the most important ways to help you minimize risk and reach your long-term financial goals.

Dividend investing provides a steady income stream from the distributions of a company’s earnings to its shareholders. It works well for investors looking for long-term growth and for individuals preparing for or living in retirements who have a lower risk tolerance.

Discipline refers to sticking to a long-term investing approach, and not getting caught up in daily market swings or hot new investments.

Watch for more tips from LPL’s network of financial professionals throughout April as LPL celebrates Financial Literacy Month.



That's a good question. I think, first off, we can all benefit from a second opinion. So if it's someone doing it themselves, or if they already have a person maybe, helping them out. You know, getting a second opinion from another advisor is always, I think, beneficial. Or like sort of a free checkup. I think that's good.

Another thing I'll say just in general with investing, is I talk about the three D’s. So, the first is diversification, spreading your money around different asset classes. That's a basic principle. Number two is dividends - a constant stream of income. I think that helps a lot with the performance returns over time. And, the third is discipline - not trying to time the market and really staying invested, riding out any market volatility. I think those three are core principles for investing, and then tailoring it to the client's situation after that.

That's the general feedback I would give.                         




The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendation for any individual.

The views and opinions expressed by the LPL financial professional(s) are as of the date of the recording. These views may not be representative of other financial professionals and are not indicative of future performance or success. Neither LPL Financial nor the LPL financial professional can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

LPL Financial and Paragon Financial Services are not related entities.