Building Robust Strategies with Detailed Research & Expertise

What We Do

Cardinal Retirement Planning, Inc. (“CRP”) was created as an extension of Cardinal Advisors. Originally chartered by Hans “John” Scheil and Doug “Buddy” Amis, CRP supported only clients of Cardinal Advisors by providing investment advisory, financial planning, and tax consulting to clients & their families.Doug purchased CRP from Hans in January of 2018 and then brought on Dr. Michael Aguilar and Dr. Anessa Custovic to help meet the increasing demand for CRP’s financial planning and investment advisory services.


Mike, and Anessa have helped Doug and CRP expand & enhance services provided to clients of Cardinal Advisors and the general public. Mike & Anessa’s prior work experience, academic backgrounds in quantitative modeling & research and financial econometrics instruction provide clients personal access to a highly-educated and experienced team of professionals that spans financial planners, tax experts, and professors.

CRP pairs our sophisticated quantitative research with longstanding principles of financial planning to create holistic plans that are robust enough to weather financial uncertainties but also flexible enough to support life’s surprises. Leverage our experience in financial planning, investment management, and tax planning; CRP’s team of professionals can help you make dollars and sense.

Get your Plan and Portfolio Built

  • Introductions: Advisors assess goals, time horizon, and risk tolerance to determine your financial plan & portfolio benchmark

  • Econometrics: PhDs enhance the risk & return profiles to produce a personalized benchmark designed to help you complete your financial plan

  • Portfolio Selection: Choose from a curated list of portfolios, selected from millions of simulated portfolios, or let Cardinal’s advisors choose for you

  • Monitoring & Rebalancing: Even with a low-turnover and buy-and-hold design, Cardinal monitors the risk and return of your portfolio against your benchmark

ā€œ Hear from industry experts:

Using past performance numbers as a method for choosing mutual funds is such a lousy idea that mutual fund companies are required by law to tell you it is a lousy idea
– Bill Schultheis, author of The Coffee House Investor

ā€œ Hear from industry experts:

Manage all of your financial assets–retirement accounts, taxable account, kids’ college money, emergency money, etc.–as a single portfolio
– Bill Bernstein, author and financial theorist

ā€œ Hear from industry experts:

Asset allocation will never garner headlines, but it is by far the most important portfolio decision you will make.
– Ben Carlson, author of A Wealth of Common Sense

ā€œ Hear from industry experts:

Correlation is the key and secret to diversification’s success.
– Moshe Milevsky, author and distinguished professor

ā€œ Hear from industry experts:

Diversification is not determined by the number of securities held.
– Larry Swedroe, author and investment advisor

ā€œ Hear from industry experts:

Inactivity strikes us as intelligent behavior.
– Warren Buffett, Berkshire Hathaway CEO & Oracle of Omaha

ā€œ Hear from industry experts:

42% of millionaires of this country make less than one transaction per year in their investments.
– Bill Schultheis, author of The Coffeehouse Investor

ā€œ Hear from industry experts:

Any investment method that relies on predicting the future is doomed to fail.
– Chandan Sangupta, author and MBA professor

ā€œ Hear from industry experts:

The only function of economic forecasting is to make astrology look respectful.
– John Kenneth Galbraith, famous economist

ā€œ Hear from industry experts:

Investors desperately want to believe they can time the markets, but the statistics tell a different story.
– Liz Ann Saunders, Chief Investment Strategist for Schwab

ā€œ Hear from industry experts:

Our research on individual mutual funds says that it’s impossible to identify true winners on a reliable basis, even if one ignores the costs that active funds impose on investors.
– Eugene Fama, author, professor, and Nobel Prize winner

ā€œ Hear from industry experts:

Do nothing. I think all of this market timing is statistically unfounded. I don’t trust it. You may avoid a downturn, but you may also miss the rise. Choose the risk tolerance you’re OK with and hold tight.
– Eugene Fama, author, professor, and Nobel Prize winner

ā€œ Hear from industry experts:

Once you start to try and trade the market, I don’t care how good you are, how smart you are, you will not beat an index fund.
– Alan Greenspan, former Chairman of the Federal Reserve

ā€œ Hear from industry experts:

Simplicity is one of the greatest–but in my view, woefully underrated–virtues when managing a portfolio.
– Christine Benz, Morningstar Director of Personal Finance

ā€œ Hear from industry experts:

Investors find it hard to believe that ignoring the vast majority of investment noise might actually improve their performance.
– Richard Bernstein, Merrill Lynch strategist

ā€œ Hear from industry experts:

The five ascending levels of intellect are: smart, intelligent, brilliant, genius, simple.
– Albert Einstein

ā€œ Hear from industry experts:

People should stop chasing performance and just put together a sensible portfolio regardless of the ups and downs of the market.
– David Swensen, Yale Endowment Fund Manager

ā€œ Hear from industry experts:

Diversification is about accepting good enough while missing out on great but avoiding terrible.
– Ben Carlson, author of A Wealth of Common Sense

What can we do for you?

Learn About Our Services

More than your typical neighborhood financial advisor.