Putting Your Interests First - Always.

We have always believed in putting our clients interests ahead of our own.  In 2016, we created our own Registered investment Advisory Firm to allow us to align our business with our core beliefs.  This has allowed us to create an environment where the fiduciary standard is clear, and conflicts of interest due to compensation are 

Financial Planning

  • The financial planning process aims to:
  • Answer your questions about money
  • Help you define and reach your financial goals
  • Shows you how to improve the use your resources
  • Shows you what is possible

Whether you are thinking about your retirement, or simply want to take control of your finances, a financial plan is a good place to start.  

Here are some of the common questions we hear:

  • Am I saving enough to create the retirement I want?
  • How can I use my resources to create a financially sound retirement, and not run out of money?
  • What is the right way to save and invest for my future?
  • Can I afford to retire?
We believe in using a practical approach to the financial planning process.  Recommendations and projects must be reasonable.  The process also strives to maintain objectivity.  We believe a financial plan should not be a sales pitch.

 

What It Costs

Financial Planning services are conducted either on an hourly basis, or for a fixed fee based on the estimated time to perform the services you request. 

We will provide an estimate of the time and total cost of the plan.

Our Hourly Rate:

$75/Hour

There is never a cost for a conversation about your situation.  If you would like to arrange a time to talk, click the button below.

Investment Management

Investing is a function of your overall plan. Your portfolio serves as a way to help you achieve your most important goals. We manage your account based on your goals and your tolerance for risk.

What To Expect

  • Ongoing management of your allocation and individual investments
  • Accounting and tracking of transactions and performance.
  • Coordination of income streams or ongoing investments.
  • Guidance through the stressful day to day noise of the financial markets.
  • Quarterly Performance Reports.
  • Online access to your accounts at TD Ameritrade.

Portfolios are constructed using low cost Exchange Traded Funds and Mutual Funds.  

For your protection we use TD Ameritrade as the custodian for our clients’ assets. Our relationship allows us to keep your costs low.  For example, they offer low—or in many cases, no trading costs, and no IRA custodian fees.  In all it helps us keep your overall costs lower.

What It Costs

Everything we do tries to put our clients interests first.  As a result there are:
  • No Investment Commissions
  • No Sales Incentives
  • No Third Party Benefits
Investment management services are based on the value of your account.  Our fee schedule is:
 
First $150,000 – 1.2% 
Next $100,000 – 1.0%
Next $250,000 – 0.8%
Thereafter – 0.6%
(Annual rates, billed in arrears)
 

There is never a cost for a conversation about your situation.  If you would like to arrange a time to talk, click the button below.