Our Clients’ Advocate
As an independent, fee-only firm, we are a fiduciary 100% of the time. While we are legally bound to put your best interests first, we really do it because it is the right thing to do.
We pull together all the areas of your financial life, including your investments, insurance needs, retirement plans, taxes, education funding, and legacy wishes. Comprehensive planning like this helps you see the big picture and make better decisions about your future.
- Debt management
- Tax minimization strategies
- Education planning
- Insurance analysis and guidance
- Estate planning
- Asset allocation
- Risk evaluation
- Portfolio management
- Cash flow analysis
- Retirement scenario modeling
- Retirement plan disbursement guidance
- Social Security and Medicare planning
Our Investment Philosophy
When it comes to managing your investment portfolio, we take an academic approach to the markets. Our emphasis on diversification, a long-term perspective, discipline in all types of market conditions, and low costs and fees is based on the Nobel Prize–winning research of economist Eugene Fama.
We understand that emotions can run high when the markets get volatile, but acting from emotion rather than reason can cause investors to behave destructively—like selling when markets get rough. Rather than get caught up in short-term market hype, we counsel you to focus on the long term, which offers a much better opportunity to realize the returns you need to achieve your goals.
We work with you to develop strategies that serve as the blueprint for achieving all that matters to you. This blueprint is based on a process that starts with our first contact and takes shape as we get to know you, your family, and your goals.
We learn about what you want to achieve in life—both in the short and long term.
We review all the areas of your financial life so we can make informed recommendations on your course forward.
We present our recommended strategies covering investments, insurance policies, estate plans, tax planning, and any other financial needs that you may have.
Because people’s lives change with time, financial recommendations need to as well. We regularly review and update strategies to help ensure they remain on track with your needs.