A fiduciary is one who is held or founded in trust or confidence. We act as fiduciaries not because the regulations say we have to but because we deeply believe it is the right way to conduct business. Always with your best interest in mind and always without conflict of interest.

Your custom plan is created over a series of 4-5 meetings where we review your current situation, identify and prioritize your goals and discuss any potential risks to your plan. We then make specific recommendations designed to either get you on track or help keep you on track.

We recognize that life doesn't move along a linear path. Things change. That’s why we provide you with regular status updates and have at least one formal review per year.  This helps us make sure you are still on track to reach your goals and allows you an opportunity to discuss with us any changes in your life that may warrant a change in strategy.

We rely heavily on two primary planning tools: eMoney and Holistiplan. These two tools provide us with all the number crunching horsepower we need to make recommendations on everything from asset allocation models to Roth conversion strategies to what-if scenario modeling. These tools are invaluable when it comes to creating and revising your comprehensive financial plan.

We generally follow a passive investment strategy utilizing low cost/tax efficient mutual funds and ETF’s. However, when appropriate, we are able to augment your portfolio with individual stock and bond positions or even alternative investments that help increase diversification and decrease equity market correlation.

Your investments are held at either Fidelity ($9.9T AUA & 40M accounts¹) or Charles Schwab ($6.8T AUA & 34M accounts¹). Your quarterly statements are generated by your respective custodian and you have online access to your accounts 24/7/365.
¹As of 6/30/22