The two biggest risks facing retirees today are, 1) longevity, and 2) inflation. Without properly addressing these risks, many retirement plans will fall short and eventually lead to asset spend-down. Our objective is to create a plan that provides a growing and lifestyle-sustaining income to support you as costs go up throughout a multi-decade retirement.

We believe our clients’ financial lives will be better when a well-documented Plan, Process, and Philosophy are in place. Our financial plans are designed to provide funding for living your life with purpose.

You should know what you are paying for and the value it provides. Our fees are plain and simple. We charge a fee that ranges from $750 to $5,000 for a Financial Plan with a money-back, satisfaction guarantee. The fee charged is dependent on the specific needs of the Client, complexity of financial planning issues to be addressed by the Advisor and projected time expenditures required to complete the financial planning process. Our investment management fee is 1%, with no hidden-costs, extra investment charges, or commissions related to product sales. We believe you should always be able to tell exactly what you’re paying for when it comes to planning and investing.

We foster a culture of life-long learning and provide every employee with the opportunity to advance their career through education. Our planning team consists of Certified Financial Planners® or CFP® designation holders. This is the industry gold standard for personal financial planning and encompasses Retirement Planning, Income Taxation, Insurance Planning, Estate Planning, Ethics, Investments, and Planning Fundamentals.

Our process starts with a Discovery Call or Meeting to first determine if we like one another enough to start out in a business relationship. There’s no expectations in these early meetings, as it’s most important that we find out if we have a strong basis for a mutually beneficiary relationship that will span many years.

Reliance on financial software products have become the standard way most CFP® professionals operate. These tools tend to overcomplicate and confuse because of the “black box” between input data and output results. Our in-house tools are built using Microsoft Excel and are designed to be simple and action-oriented. Most importantly, you can manipulate them on your own and understand how they work. We take the extra time to do it this way because we believe, for the utmost financial confidence, your plan should be accessible by you at any time.