As your advisor, my primary goal is to help chart the course for your financial future while minimizing unnecessary risks. Once your plan is in place, my hope is that it will ease the burden of worrying about your finances so that you can focus on your everyday life and what you enjoy doing the most.

We create your plan by providing objective, comprehensive recommendations using a multitude of products that are available to our firm as independent advisors. Our extensive knowledge and many years of experience gives us the ability to hone in on the best products and solutions for your unique needs. 

In the first meeting, we take an inventory of your current savings, insurance, and investments. We then determine your most important short and long-term financial goals. At this point, we can assess if a comprehensive plan or a more segmented a’la carte approach is appropriate. We would recommend an a’ la carte approach if you only need one or two elements of the financial plan, such as only the retirement planning. 

Throughout the initial fact gathering and recommendation meetings there is no cost or obligation required. We want you to move forward only if / when you are comfortable with our solutions.

Once your plan is in place, we will contact you regularly to review and update it based on your financial circumstances. We understand that as your life circumstances change, so should your plan, so we are diligent about contacting you to review it on a regular basis.

All of our investment clients will receive access to our online investment reporting system as well as various financial planning software programs and tools. 

There is never a cost for the initial consultation. Most often we get paid by the insurance or investment companies we use in our recommendations.

On occasion, we also may be paid by an advisory fee, which is a small percentage of our client’s investment assets. The main advantage to this approach is that there are no large upfront or backend expenses that are paid by the client when we buy and sell investments.