If there’s ever been a time to evaluate your Financial Resolutions, it’s after the roller-coaster ride of 2020! Now is the time to get out your pencil and paper, your excel spreadsheet, or whatever tool works best for you and start to draft out a plan. This simple guide of 7 Financial Resolutions will provide
Fee-Only, Fiduciary, Independent
The Fee-Only Model:
Financial Advice without the pressure or bias of product sales or commissions
I sign a Fiduciary Oath to always act in your best interest before my own
No referral fees from any brokerage firm, bank, or insurance company
We’re on a Mission to Help You Get Retirement Ready!
Collaborative Planning Approach - Keeps you engaged every step of the way
Powerful Software and Analytic Tools
A Finance Professional analyzes and writes your Plan, not a salesperson
Our Ideal Client
I believe a good Advisor/Client relationship starts with mutual values and goals. Do any of these apply to you?:
You have many questions about your retirement scenarios, such as when to take Social Security, how long your asset pool may last, tax efficient withdrawal strategies, and how to fund your long-term care
You have a complex situation such as owning a business, executive compensation, or blended family situation
A "Passion for Striving" toward a well-rounded and long-term view of retirement is important to you
You're done with high AUM fees
You are willing to pay for fiduciary financial advice, not products with high commissions and AUM fees
If any of those apply to you, an on-going relationship with us as a Fiduciary Financial Advisor may be of value to you!
- We consider Retirement Planning in 2 phases: "Accumulation" (pre-retirement) and "Decumulation" (retirement)
- Collaborative Planning engages you in every step of the process
- We run multiple probability of success scenarios using Monte Carlo simulation
- We help you visualize the best path to meet your goals
Learn more about Financial Planning for wealth accumulation at: Financial Planning. If you are about to retire, learn more about our Retirement Planning services.
- Every client engagement has a written contract with a clear description of services and your cost
- If you are a High Net Worth (HNW) individual, we believe in a capped flat-fee to minimize your investment management costs
- Our services summary and fee schedule is published here: Services
- Low-cost ETFs and Mutual Funds are the core of our investment strategy
- We outsource Investment Management to take advantage of economies of scale and decades of experience in managing portfolios
- We do not take possession of your assets. We use TDAmeritrade, one of the largest custodians in the industry.
Simplicity is the ultimate sophistication- Leonardo Da Vinci
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Clients We Serve
You've spent your entire career acquiring the wealth to live your dreams. Now you want to retire and explore your retirement possibilities.
High Net Worth individuals
We have a different approach for you to consider: No high AUM fees; no commissionable products. Instead, a technical Advisor works with you, collaboratively, and on an on-going fee-only basis.
You have unique needs including withdrawal strategies, tax planning, legacy planning, and wealth transfer. Our expertise can help you to develop a personalized strategy that is your best interest, not ours. And, importantly, without breaking your bank.
Read our article on how a Fixed Flat Fee schedule may significantly reduce your investment management expenses.
As a small business owner, you have a lot on your plate. Retirement Planning may not be on your front burner. Now is the time to implement a retirement plan for yourself and possibly your employees as well.
Small Business Owners
We can help you determine the best plan to meet your needs. Our solutions are very low cost to you and of high value to your employees.
Download a 1-page PDF: Guide to Selecting a Company Retirement Plan
If you already have a company Retirement Plan in place, we can help educate your employees to leverage that Plan. You can hire us to provide workshops and one-on-one consultative sessions.
See: Retirement Plan Consulting
If you are an executive with equity compensation, we can help you formulate a picture of the potential future value of your company grants, maximize the value of those grants, and reduce risk by making timely decisions.
We do this by providing a detailed analysis of your company stock and option holdings. This report is updated quarterly and looks at: value, vesting and expiration, taxation, risk vs. reward, leverage, concentration and the role equity compensation plays in attaining your financial goals.
We use this analysis and your feedback, in an iterative and ongoing process to help facilitate profitable decisions.
Contact Us to start a conversation.
If you have been looking for an easy and inexpensive option to teach your congregation about simple money matters, try the “Small Group” approach! This may be just what your congregation needs to learn about building a spending plan with faith-based principles. Using scripture, prayer, and some basic tools, you can help people get a grasp on their budget.
Download the complimentary PDF, Faith-Based Small Group Study
Generally, engineers like a lot of detail. As an engineer-type in my previous career, so do I. We cater to deep analysis using Monte Carlo simulations, generate cash flow reports throughout the retirement time horizon and wrap all of that into a written Plan with graphics that you will be proud to own. We even provide you with a cookbook to help you get started on your own.
Download PDF: Engineering Your Retirement Plan
Step families or blended families, can bring about different physical, emotional, and financial needs and stresses to all involved. Financial Planning is especially important to protect all parties involved, especially your children from a previous marriage.
Resources are available to help you and your new spouse get on the same page!
More Information: Step Family Financial Planning
Download a PDF: Blended Family Finances Workbook