We are a professional fee-only wealth management firm deeply committed to helping individuals and families achieve their life and financial goals. We help our clients achieve their goals by thorough and creative planning, systematic implementation, disciplined investing, and control of implementation, tax and management costs.
Services
When choosing a financial advisor to work with, it is important that you have the same general beliefs and philosophies. Here are some of our core beliefs. Optimism - We believe that the future will always be better than the past. This belief is not just because of our optimistic natures, but because it is the only outlook that matches with the realities of human history.
Financial planning is a process, not an event. The Certified Financial Planner(R) Board of Standards defines financial planning as "the process of determining whether and how an individual can meet life goals through the proper management of financial resources." We have found that life goals can change over time and certainly financial resources change in value every day.
Federal and state law requires that Registered Investment Advisors (RIA) be held to a Fiduciary Standard. This requires an advisor to act solely in the best interest of the client at all times. RIAs must disclose any conflict, or potential conflict, to the client prior to and throughout a business engagement and must adopt a Code of Ethics and fully disclose how they are compensated.
Your investments must work for you, and not keep you awake at night. You likely have enough to worry about - your family, your work, your business, and your career without adding the stress of managing your investments. We'll help you determine which investments are suitable, based on your goals and risk tolerance, to help you reach your goals.
While taxes are a fact of life, unnecessary taxes hurt your ability to accumulate wealth. We'll work with your tax professionals to find opportunities to legally reduce taxes at the business, individual, and family level. Depending on your needs and resources, we may shift income to less-taxable entities, use tax deferred investment opportunities (retirement plans, annuities, etc.), or recommend tax-free investments.
