You might find yourself unsure of where you are financially or if you're on the right track. You may feel guilty about spending money. We help provide you with more clarity about your financial situation, confidence that you're making the right financial decisions and ultimately more control over your financial life.
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Everyone's situation is unique to them, but you may see some part of yourself with these client examples.
Sarah and Tom are two years away from retirement. They wanted to create an income plan, find a path to reduce taxes and create a legacy for their family. Ultimately, they want to make sure they don't run out of money.
James and Beth are two successful executives at their respective companies. They needed a system to effectively manage their company stock, free up their time and to create a path to maximize their cash flow.
Jim is a business owner who has juggled late nights and family life with his business. He needs someone to help save despite his variable cashflow and how to leverage his business for his own retirement.
How people feel working with advisor compared to on their own*.
No one asked for a 90 page financial plan. We partner with our clients and help them discover their core values, financial priorities, create systems and collaborate with them in real-time.
Try It out*This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing
You should consistently feel like you understand the financial choices we make together and why we made them. To us, that starts with educating our clients every step of the way. Financial knowledge is power.
Finances and emotions go hand in hand. It can be incredibly challenging to remove yourself from your own financial situation. Having an outside, data driven resource can help you make the appropriate financial decisions for your individual situation.
Finance doesn't have to boring or stressful and meetings don't have to be stuffy. We want you to not only enjoy this process, but we want you to be able to enjoy life as much as possible throughout the process. Financial planning is about helping to maximize your life not limiting it.
Are we a good fit? If you're interested in learning more, schedule a call.
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*This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing
A fiduciary, in advisory relationships, is required by law to act in the best interest of their client. I’ve built my practice on acting in the best interest of my clients. With that said, I am eligible to act as a fiduciary, in advisory relationships.
Yes, I am a Certified Financial Planner (CFP®). To obtain a CFP® designation, an advisor needs to complete a rigorous financial educational program, pass a comprehensive test and have at least 4,000 – 6,000 hours of financial planning experience. CFPs are required to complete annual continuing education and most importantly, we are required to adhere to a fiduciary duty.
“A CFP professional’s fiduciary duty may be higher than what’s required by regulation, and—as defined by CFP Board—this includes a duty of loyalty, a duty of care and duty to follow client instructions,” says Jack Brod, CFP, board chair of the CFP Board.
I give my clients two options. Some clients prefer a fee only model where I charge them a flat rate and we design a financial plan. Other clients prefer that I manage their assets, which I charge a percentage fee based on the amount of assets. Sometimes through the planning process we will uncover an insurance need. If a client uses me as their advisor, I will collect a commission from the insurance carrier.
My investment philosophy centers around controlling what you can control. I focus on the following:
1) Time in the market over timing the market.
2) Asset allocation is the main driver of performance.
3) Diversify when appropriate.
4) Keep investment costs low.
5) Aim to minimize the impact of taxes.
Ultimately, my investment philosophy is centered around you and your investment's need to line up with your financial priorities.
I have been a financial advisor since 2009 and have helped hundreds of clients over the years. While I may not be retired, I’ve experienced retirement many times over through my clients. I’ve worked to obtain the CFP® designation, appeared on local new stations and I’ve written a book on retirement.
Initially, we should expect to meet between 4-5 times to get you financially organized and aligned with your priorities. Once we are on track, we will meet at least two times a year. I have meetings with clients in the spring and fall to coincide with the tax season. Additionally, if you have any questions in between meetings, we can always set up another time to talk.
I don’t have any quotas nor am I financially incentivized to offer one product over another.
I never directly custody or hold any of your assets individually. Your assets will be custodied with LPL Financial which is the largest broker dealer in the U.S. as reported by Financial Planning Magazine 1996-2003 based on total revenue.
*Sourced from a Northwestern Mutual study in 2023: Planning & Progress Study 2023: https://news.northwesternmutual.com/planning-and-progress-study-2023