Our mission is to help you use your human and financial resources to live your best life NOW and in the FUTURE.
Some ways we’re different from other advisors:
Advice Only – Never worry about being sold something you don’t want.
Flat dollar fee – You won't pay more because your accounts are growing.
No upfront fees – You get billed after the work is done - not before.
CFP® Professional – Rigorously trained and dedicated to your best interest.
Choice – You choose the level of service that fits your needs.
Low annual fee – Planning and investment management for one low fee.
No minimum asset requirement – We base our relationship on the value we bring NOT the value of the accounts you bring.
We help you understand, create and implement investment portfolios to help you reach your short and long-term goals.
Tax & Stock Based Compensation Planning
It’s not about what you earn; it’s about what you get to keep that matters. Let us show you how to put more after-tax dollars in your pocket.
Insurance & Risk Planning
The unexpected will happen; we’ll help you purchase the insurance coverages you need and avoid being “sold” what you don’t.
Estate & Legacy Planning
What do you want for those most important to you? Let us help you develop a plan to responsibly and tax efficiently transfer your wealth.
Employee Benefit Planning
Which plan should you choose? What selections should you choose during open enrollment? How does this affect your family?
Social Security Timing & Retirement Income Planning
Should I draw early or wait? Should I roll over my lump sum or take a monthly distribution? How does this affect my spouse if I’m gone?
Student Loans & Education Planning
College will be one of your single largest expenses. We provide early and late-stage college funding and loan repayment strategies.
Healthcare & Medicare Planning
PPO, HMO, FSA, HSA, Medicare A, B, C, D. . . Let us help you make sense of it all.
Advisory services for every stage of your journey
FundamentalCombined planning and investment advisory services
This profile is typically a younger working professional or couple facing multiple decisions related to building their career, paying down student debt, starting a family, saving for college, buying a home, and potentially re-locating, among other things.
IntermediateCombined planning and investment advisory services
This profile is typically an established mid-career professional or couple facing multiple decisions related to their careers, employee benefits, taxes, college financing and selection, entrepreneurship, investments, and insurance, among other things. Typically at this stage more consideration is given to how the next stage of life will look.
Advanced ICombined planning and investment advisory services
This profile is typically a late career professional or couple, less than 10 years from retirement, with various competing demands for their time and financial resources from work, children and potentially dependent parents. They have accumulated some wealth but lack a cohesive plan and understanding of how well it is serving their needs.
Advanced IICombined planning and investment advisory services
This profile is typically retired couples, but often independent women, who want confirmation their retirement will be adequately funded. They may also be interested in creating a meaningful legacy, having a social impact, and minimizing strife within their families. They have accumulated some wealth but lack a cohesive plan and understanding of how well it is serving the needs of self, family and community.
Fast StartInvestment advisory services only
The most frequent comment I hear is "I have accounts all over the place". This solution provides a research backed, fully diversified portfolio of low cost index funds, exchange traded funds, and/or institutional money managers. This service includes an annual check-up and is the ideal solution for those who need to get their investments in order but don't feel quite ready for an ongoing planning relationship.
Project-Based PlanningFinancial planning services only
If you've never worked with a CERTIFIED FINANCIAL PLANNER™ professional and aren't sure if it can help you, a project based engagement is a great way to get started and kick the tires. This service typically covers 1-2 specific topics of your choice, such as late stage college funding, when/how to draw social security or pension income, pre-retirement preparation, etc. It's a great way to see how financial planning can help with little risk or commitment.