Get Monthly Financial Tips! Name Email Thank you! Oops! Who We ServeBelow are the top three professions we specialize in serving:1. Federal Employees (FERS & CSRS Participants) 2. Healthcare Professionals (Physicians, Dentists, RNs, CRNAs, Pharmacists, Physical Therapists, etc.)3. Business Owners (Home Health, Dental practices, Restaurants, etc.)ServicesWe provide advice in below areas:InvestmentsIRAsBondsCommon StockBrokerage AccountsExchange Traded Funds vs. Mutual FundsAnnuity StrategiesReal Estate Investment Trusts (REITs)Financial PlanningRMD Planning (Required Min. Distributions)401(k) Planning403(b) Planning457 Deferred Comp PlanningThrift Savings Plan PlanningPension Plans529 College PlansProfit Sharing PlansStock Option Planning (RSUs, ISOs, NSOs)InsuranceDisability InsuranceLife InsuranceLong-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 SchwabFidelityVanguardBlackrockT. Rowe Price Financial Planning ProcessOur 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 goalsStep 3 - Analyze and evaluate client's financial situationStep 4 - Develop and present financial planning recommendationsStep 5 - Implement planning recommendationsStep 6 - Monitor recommendations and make adjustments as needed Cost of Services*First visits are at no-cost. We believe full transparency builds trust with our clients. Below are the two methods we get compensated. 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. 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. Our fee schedule ranges from 0.5 - 1.5% based on invested assets and portfolio maintenance.