Financial Planning That Puts You First

Our Clients’ Advocate

As an independent, fee-only Registered Investment Advisory firm, we are a fiduciary 100% of the time. This makes us legally bound to put your best interests first, but we really do it because it is the right thing to do.

Comprehensive Financial Planning

We pull together all the areas of your financial life, including your investments, retirement plans, taxes, insurance needs, education funding, and legacy wishes.

Comprehensive financial planning like this can help you see the big picture and make better decisions about your future.

Our Fees

We are a fee-only firm, which means that we only receive compensation from our clients, not from a bank, brokerage, insurance, or mutual fund company. We do not receive commissions for our recommendations.

Our fees vary and will be based on your needs and the complexity of your situation.

Our Services

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Financial Planning

  • Budgeting

  • Debt management

  • Tax minimization strategies

  • Education planning

  • Insurance analysis and guidance

  • Estate planning

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Investment Management

  • Risk evaluation

  • Asset allocation determination

  • Portfolio management

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Retirement Planning

  • 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 and base our work on the Nobel Prize–winning research of economist Eugene Fama. We emphasize:

  • Diversification

  • A long-term perspective

  • Discipline in all types of market conditions

  • Low costs and low fees

We understand that emotions can run high when the markets get volatile, but we also know that acting from emotion rather than reason can cause investors to behave self-destructively—like selling when they should be holding.

We don’t want you to get caught up in short-term market hype, and we will be there to help you focus on the long term, which offers a much better opportunity to realize the returns you need to meet your goals.

Our Process

We work with you to design a financial 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.

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Get-Acquainted Meetings
We learn about what you want to achieve in life—both in the short and long term.

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Information Gathering
We review all the areas of your financial life so we can make informed recommendations on your course forward.

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Financial Planning
We present our recommended strategies, covering investments, insurance policies, estate wishes, tax planning, and any other financial needs you may have.

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Update Meetings
Because your life will change with time, your financial strategies will change as well. We regularly review and update your plans to help ensure they remain on track with your needs.

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Schedule a Call

We offer a 15-minute discovery call as an opportunity for both of us to “discover” whether we’d be a mutual fit. We’ll discuss your concerns and goals, and share how we might be able to help you. There’s no cost and no obligation.