Your Personal Finance Fiduciary and Investment Consultant
We Are Different...
...In our Financial Planning PhilosophiesWe believe that everyone should have access to professional quality financial planning advice at a fair price, regardless of income level or demographics.
Our mission is to provide you with the education, tools and fiduciary advice that is in the best interest for you and your family.
Our objective is to provide you with a financial plan that is tailored to your specific needs, not the needs of our business model or the bias of any financial product sales or commissions.
The result is a financial plan that is all about you and your family, your goals, and a written plan on how you will get there. We start with an in-depth one-on-one session with you to understand your family dynamics, current financial status, what your short and long-range goals are, and what you would like your family legacy to look like. We will then go to work to create a personalized financial plan just for you and your family.
Each component of the financial plan will be tailored to your specific situation, risk tolerance, and goals. We will review this plan with you in detail and help educate you on all aspects of the plan. Any action items will be clearly documented so that you can simply follow our instructions. We can then agree to have regular follow-up sessions to help you keep on track.
We also believe that it should not be necessary for you to move your money to us for investment management. Our financial planning services are separate from the investment management services. The philosophy is to provide a solid financial plan, regardless of where your money is being managed. This provides you with a unique opportunity to use us as a second opinion or sanity check that you have a good financial plan in place.
...And in our Practice
- We provide fee-only financial services to middle-income America, without product sales or commissions
- We are fiduciaries - the client's best interest is our first interest
- We develop personalized financial plans based on your individual and family needs
- We look at all aspects of financial planning from basic budgeting to insurance and retirement needs to tax and estate planning
- You can come to us for a 2nd opinion, without the pressure of moving your money
Click here to view our latest Schedule of seminars and workshops
Retirement: Critical Pre-Retirement DecisionsIf you're thinking about retiring in the next 5-10 years, now is the time to start to understand your options and formulate your strategy. Yes, a retirement strategy. There are critical decisions that need to be made that will affect you and your spouse for your entire retirement period. Many of the decisions you make are non-reversible. So it's important to understand your options and scenarios.
We can help you analyze your existing employer benefits, Social Security claiming options, Medicare options, investment accounts, and provide you with a written retirement plan that is in your overall best interest.
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Investing: Get a 2nd Opinion on Your PortfolioEven if you have a Financial Advisor, you may still have questions about the fees or commissions you are paying, or maybe you don't understand your performance results, or perhaps you just have some questions about your portfolio. A 2nd opinion may be appropriate.
If you are a do-it-yourselfer, you can benefit by having a professional evaluate your situation and design a personalized investment portfolio.
In either case, it doesn't hurt to seek out a 2nd opinion on the portfolio design, it's usually a good idea to consider an alternative point of view. You wouldn't want to go into major surgery without seeking a professional opinion. Many financial planning and investing decisions have dramatic affect on your future. It's best to over plan
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Young Families: Getting StartedYoung individuals and families just starting out have a host of decisions to make. Paying off student loans, saving for their first home, career decisions, and many many more. Lurking on the back burner is retirement planning and how to build wealth to get there. Slow and systematic investing can help you achieve that long-term goal while you deal with all the other critical decisions of today.
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