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An Important Decision
Selecting a financial advisor is one of the most important decisions you will ever make. An advisor must be responsive to your unique needs and be someone you can count on for years to come. Most of all, you want someone you can trust.
We understand that before entrusting your financial affairs to an advisor, you want to be sure that the company you choose has the expertise, integrity and commitment to provide the personal service that you need and deserve.
Our mission is to thoroughly understand each of our client’s goals and concerns, to help them improve their overall financial health and achieve their goals, and to help them enjoy their lives more fully.
Why Fee-Only?
The term fee-only refers to the method of compensation for the financial planner. Fee-only planners are compensated solely by fees paid by their clients and do not receive commissions or compensation from any other source. Thus, they do not sell any insurance, annuities or other investment products.
As a fee-only firm, we provide unbiased and objective advice that is always in the best interest of our valued clients. Since we are independent from all financial services companies and products, we are able to offer hundreds of different investment and insurance opportunities – none of which are commission driven.
Our Philosophy and Approach
Comprehensive Financial Planning
We approach financial planning in a very integrated and holistic manner. All of our analyses and recommendations carefully consider the impact on your entire financial picture. You can count on our extensive education and broad knowledge gained by years of financial and tax experience to help you chart your course through today's complex world of finance and investing.
Our comprehensive financial planning services will thoroughly analyze and make specific recommendations regarding your:
- Cash flows (long-term and short-term)
- Insurance
- Income Taxes
- Retirement Planning
- Estate planning
- Investments
We begin by first listening to your requirements, goals and concerns. We then help you understand the monetary effects of the often very emotional decisions you must make concerning your finances, often balancing conflicting goals, and advising you on how to best utilize your financial resources. With this knowledge, you are better equipped to weigh your options and make optimal decisions.
We will act as a coordinator with the other members of your financial team to evaluate your needs and implement your decisions. From your insurance agent to your estate-planning attorney, we stay closely involved to ensure your goals are achieved. If you are not working with other financial professionals, we will assist you in finding those professionals who best meet your requirements.
Investment Management Services
We work with our clients to construct investment portfolios that best meet their long-term needs, carefully considering their risk tolerance. Our investment management services include:
Asset Allocation – Choosing the appropriate mix of stocks, bonds and other assets to meet your needs.
Investment Selection – Selecting mutual funds, exchange-traded funds, individual securities and bonds, and other securities that best meet the investment allocation strategy.
Monitoring and Reporting – We continuously monitor your portfolio and provide periodic portfolio summaries and performance reports.
Rebalancing – Over time, your portfolio’s allocation will drift away from its targeted allocation. We make the needed adjustments to ensure your investment plan stays on track.
As a Registered Investment Advisor, we are registered with the Securities and Exchange Commission
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