Financial Planning

A primary difference between us and our competition is that we offer you advice based on your entire financial situation including your life goals, target retirement age, tax implications, level of risk, and other intangible factors. We believe this is the only way to give you the best advice for your unique situation.

We are also a small business so we don’t have a corporate headquarters pushing us to sell certain products to consumers or to push you in a certain direction.

Many financial advisers charge you a commission every time you move your money. Sometimes they will engage in the business of moving your money frequently so they can keep cashing in new commissions which loses you money! This is actually an illegal activity called “churning,” but it happens more than we’d like. Our approach is that we choose to be “fee-only” in all that we do so that you keep more money in your wallet. We never charge a commission.

Our fee-only approach allows us to give you impartial advice because we don’t stand to profit by pushing you towards any type of commissioned product. We serve as fiduciaries to all of our clients which means that we will always put your interests above our own and disclose to you in writing any conflicts of interest. This should be the norm for all financial advisers, but unfortunately it is not.

Finally, we want to build a relationship with you. We believe that we can provide the best service to you by getting to know you and your dreams. By offering you comprehensive services including tax preparation and financial planning, we are aware of your entire situation so when an unforeseen need or crisis arises, we’ll be there to help you weather the storm.

We’ve been in business 16 years and we’re not going anywhere. Often brokers/dealers and financial advisers who work for big banks and national wirehouses end up changing jobs when you need them and then the relationship you built is gone and the new employee doesn’t know anything about you.

The process of a financial plan looks like this:

Initial get-to-know you meeting.

Secondary meeting where we listen to your needs/goals.

Third meeting where we collect all your financial documents and assess your level of investment risk.

We spend 10-16 hours studying your situation, making calculations, and determining recommendations.

Fourth meeting where we deliver to you our recommendations in the form of a one-page action plan. The action plan includes steps for you to implement and steps for us to implement for you. We’ll help you get them all done!

On call whenever you need us throughout the year.

A final, follow-up meeting a year later to answer any questions you may have.

We would love to meet with you to share with you more about what we do and to hear about your financial goals and questions. To learn more about getting started with a financial plan, contact us about scheduling a free meeting.

The cost for your financial plan is a one-time fee based on the complexity of your situation and amount of assets. For exact costs, download our brochure below.

We would love to meet with you to share with you more about what we do and to hear about your financial goals and questions. To learn more about getting started with a financial plan, contact us about scheduling a free meeting.