About Us

Our Philosophy

At TCF! we take an active role in money management and make investment decisions based upon professional expertise. We typically hold a limited number of positions in our core portfolio. Careful analysis of investment selection and market entry and exit points help guide us toward overall market performance. We choose investment vehicles based upon market segments, interest rate considerations, broad movements of the U.S. and international markets, and overall market conditions.

Our philosophy is that while the long term markets reflect the fundamentals of companies and the general economy, in the short and medium term, security prices are a reflection more of market psychology, and are more influenced by market power brokers than they are by company or economic fundamentals. From this viewpoint, we consider a number of different factors in order to determine market direction. While we weigh geopolitical and economic factors that influence the market, the most important factor to look at is what the market does in order to get the clues as to how the psychology and power forces intend to drive the market as we look forward. We employ a combination of technical indicators to determine market direction and risk, and with this information, trade accordingly. We have developed separate models for stocks, bonds, and metals, and our core portfolio is invested in either direction as our outlook dictates.

On a weekly basis, we meet as a team at TCF! to discuss market factors and to determine our overall bias. From this bias, we use specific inter-day and intra-day indicators and models to trade within the framework of our analysis. This unique blend of expertise and experience, in our opinion, gives our firm a singular advantage in guiding investments for our clients.

Retirement Planning
Each portfolio can be geared to meet the specific needs and objectives of our clients. If you have a 401k plan with a former employer, we strongly encourage you to consider rolling it over to an IRA.

Long-Term Planning
At TCF! we provide clients with a plan designed to suit individual needs. We take an in-depth look at life circumstance, resources and objectives to create active financial progress for our clients.
We work to make you money – but first and foremost, our mandate is to guard against principal loss.

Insurance Services
In addition to brokerage portfolio management, Take Charge Financial!™ focuses on the investment strategy of Variable Universal Life that potentially allows the investor to both grow money tax-deferred and withdraw it tax-deferred in the future. VUL Disclosure

Fee Schedule
Investment Management Fee Schedule:
A 2% management fee is payable the beginning of each quarter.

Consulting Fees: $250/hour

Joan Perry
President/CEO  |  Joan's Blog

Joan Perry has developed her expertise over twenty-five years, beginning as an Investment Banker working on Wall Street and continuing as a Money Manager and Owner of a Securities Brokerage Firm. As President of Take Charge Financial!™, Joan initially founded one of the first female-owned Municipal Investment Banking firms in the United States known as Perry Investments Inc. in 1985, which then began retail and brokerage services to individuals in the mid-90s. She has in-depth trading and market experience from managing institutional and retail investment dollars in the securities markets, and throughout her career has managed billions of dollars in the bond, stock and options markets. Joan combined her personal and professional background in her book A GIRL NEEDS CASH© published by Random House in 2000 - a story of money in women's lives and the transition to taking charge of it. She received her MBA from Vanderbilt Owen Graduate School of Management and undergraduate degree from Denison University. She was the founding President of the Los Gatos Morning Rotary Club and currently the Co-Chair of the Los Gatos, CA 'Jazz on the Plazz' Summer Concert Series.