We are committed to serving our clients’ best financial interests and are privileged to act in a fiduciary capacity on their behalf. We take the "client comes first" approach throughout our practice, whether it be designing a financial plan, making an investment recommendation, creating a tax-effective distribution strategy, or anything else which may arise during our relationship together.
We have purposefully designed our services to meet the full spectrum of needs pertaining to our clientele. We are proud to provide our clients with Comprehensive Financial Planning, Tax Planning, Estate Planning, Qualified Plan Design, Risk Management, and Investment Management.
In addition to extensive experience both individually and collectively, our team boasts several certifications and designations within the industry, including the following: CFP®, CPA, LUTCF®, RICP®, CIS®, FPQP®, National Social Security Certificate Holder.
In order to make suitable recommendations for our clients, we recognize for the need for a distinct process to ensure no stone is left unturned. Our four-step process is applicable at any stage of your financial journey. (1) Discover— Determine your financial personality, goals, concerns, objectives in order to reveal your retirement vision. (2) Evaluate— Assess your situation, define your strengths, weaknesses, and opportunities to create your written Game Plan. (3) Modify— Adjust your Game Plan to create the vision of your retirement that you can commit to. (4) Activate— Trigger the steps of your personalized Game Plan with the smallest cost, risk, and fees. (5) Support— We monitor your progress and are here to help you when your goals, concerns, or life itself changes.
We believe in institutional thinking for individual investors. We take a customized, tailored approach for each client beginning with understanding risk profile, time horizon, and purpose for the assets. We then move to disciplined portfolio construction, focused on diversification through asset classes, sectors, and industries utilizing individual equities, individual bonds, ETF’s, or mutual funds as appropriate.
As a fiduciary, our focus is on making investment decisions regarding our clients' assets rather than taking control of the assets themselves. We have formed institutional relationships with the following custodians to ensure all of our clients are confident with the financial institution responsible for their accounts: TD Ameritrade, Fidelity, Charles Schwab, Raymond James, and Goldman Sachs.
We are forthright and transparent regarding all compensation for the services we provide. We may charge for our services by any of the following methods: (1) One-time, up-front Financial Planning fee for Plan development and corresponding recommendations, (2) Recurring Financial Planning fee (in $ or % of total assets) for on-going consulting via quarterly, bi-annual, or annual reviews, (3) Percentage of assets under our management- we do better as you do better.
We believe what makes us different is our ability to provide our clients guidance beyond the point most others stop. While most financial companies can design a diversified asset allocation, select high-performing securities, or develop a cash flow in retirement, we do not believe our job is done at that point. We are vested in assisting our clients in accomplishing their financial goals, achieving peace of mind, and ultimately realizing fulfillment in their lives. We strive for our clients to attain true financial freedom.