Planning Philosophy

Comprehensive Financial Planning
Most financial planners and brokers focus solely on investment management and portfolio allocation. But this is only one part of the planning process. We believe that financial planning is the marriage of goal setting, cash flow analysis, retirement planning, insurance/liability analysis, tax planning, investment management, estate planning, and education funding.

Services Available for All
Over 60% of Americans are ignored by the financial services industry because they cannot meet account minimums. These people end up with no financial plan or are placed in high expense products by financial salespeople and then forgotten. We believe these Americans need solid financial advice as much, if not more than, the affluent because every dollar counts for these Americans. This is why we have no minimums and offer financial planning by the hour.

Professional, Customized Solutions
Every person has unique goals and ideas about money so every person should have a plan tailored to their needs. We don’t believe that clients are well served with cookie-cutter plans or rules of thumb, which are commonplace in the financial services industry.

With every plan we create, we sit down as a team to find the best solution for our client. We believe that the group dynamic ensures that all factors are considered and results in the best possible recommendations.

And clients can be sure that we are on top of changes that affect the industry. As NAPFA-Registered Advisors™, we maintain double the continuing education as required by the CFP Board of Standards.