Independent financial planning and wealth management

Fee-only, fiduciary care.

We are your advocates.

You’ve worked. You’ve saved. You have questions and deserve sound planning and advice.

We don’t sell financial products for a commission… we are fee-only financial planners and wealth managers.

Services

Financial planning

Everyone needs a plan… Simple to complex, we help our clients define their goals and quantify the steps to achieve those goals.

Financial planning is a systematic approach to assessing your financial picture, helping to define and quantify your goals, identifying weaknesses or shortfalls, and ultimately designing and implementing a strategy to achieve your goals.

Investment Management

Financial markets are difficult to navigate. What do you invest in? Stocks, bonds, ETFs, Mutual Funds, commodities, real-estate…the list goes on.

We conduct thorough due diligence under academically-tested processes for portfolio development.

Our Investment Philosophy

 

  • We believe in diversification – this is the only way to mitigate risk that can be reduced.
  • Investing in the capital markets assumes risk.
  • Inflation erodes purchasing power.
  • Rebalancing portfolios to target allocations increases expected returns.
  • Minimizing or eliminating investment and transaction costs removes traditional drags on return.
  • Correct asset allocation is the most appropriate means to match risk to return expectations.
  • Tax efficiency strategies should be pursued in non-qualified, after-tax investments