Broker Check


Services

We provide assistance in below areas:


Investments

  • Traditional IRA
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • Bonds
  • Common Stock
  • Brokerage Accounts
  • Exchange Traded Funds vs. Mutual Funds
  • Annuity Strategies
  • Real Estate Investment Trusts

Financial Planning

  • RMD Planning (Required Min. Distributions)
  • Optimizing Retirement Plans
  • 401(k) Planning
  • 403(b) Planning
  • 457 Deferred Comp Planning
  • Thrift Savings Plan Planning
  • Pension Plans
  • 529 College Plans
  • Money Purchasing Plans
  • Profit Sharing Plans
  • Stock Option Planning (RSUs, ISOs, NSOs)

Insurance

  • Disability Insurance
  • Life Insurance
  • Long-Term-Care Insurance

Strategic Partners

As an independent advisory practice we are very different from your local bank or other captive financial institution.  We believe eliminating conflicts of interests in who we recommend is best for our clients.  Below are a few examples of large investment institutions that we have access to.

  • Charles Schwab
  • Fidelity
  • Vanguard
  • Blackrock
  • T. Rowe Price
  • Allianz

Financial Planning Process

Our firm follows the Certified Financial Planning Board's 6 Steps to Financial Planning in working with clients.

Step 1 - Establish and define the client-planner relationship.
Step 2 - Gather client data and understand client goals
Step 3 - Analyze and evaluate client's financial situation
Step 4 - Develop and present financial planning recommendations
Step 5 - Implement planning recommendations
Step 6 - Monitor recommendations and make adjustments as needed

Cost of Services

*First appointments are a no-cost financial review either in-person or over the phone.

We believe full transparency builds trust with our clients.  There are no hidden fees.  Below are the two methods we get compensated.  There are no required minimum investment amounts depending on the financial institution we use in working with a client.

1. Financial Planning - Instead of charging by the hour or per appointment, the cost of developing a customized financial plan is an annual flat fee.  This fee is based on case complexity and the amount of time and work to construct the financial plan. The fee is typically anywhere from $300-$750. 

2. Asset Management - This fee is based on the value of your account.  If your account grows, we grow.  Clear aligned interests with our clients is essential for an effective long term partnership.  We typically charge anywhere from .5-1.5% based on  invested assets and portfolio maintenance


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