We use a life planning approach to financial planning, which is more behavioral, and takes into consideration your dreams and passions, what you need to have financial peace of mind, your most important values, and your life goals.  We tailor the plan to work for you so that you feel comfortable with it and are committed to it.  This greatly increases the likelihood of it working.

We are truly independent.  We are fee-only financial advisors that serve as fiduciaries in that we put your best interests first.  We sell no products and earn no commissions or referral fees.

We spend a lot of time educating and empowering you to make smart money decisions going forward.

We place a lot of importance on tax planning.  We not only focus on helping you pay the minimum amount of tax legally due on your return, but we also structure your portfolio and your retirement distributions with taxes in mind.  Many investment advisors focus solely on before tax returns.  It is not what you earn, but what you keep that is important.  

We focus on designing tax efficient, well diversified portfolios with reduced volatility and strong after-tax real returns.  We employ no-load mutual funds that have performed consistenly in the past, including down markets.  Protecting your wealth is more important than hitting a home run with investment returns.

Finally, we specialize in retirement planning.  We help you set, prioritize, and quantify your life goals.  If your current investment and savings plan are unlikely to fund all your key life goals, we run mulitiple "what if" scenarios to determine the best way to put you back on track.  We show you whether assuming more investment risk, taking your social security and pension benefits at a different age, saving more, working longer, or working part-time in retirement will enable you to fund your life goals.  We "stress test" your retirement plan to show you what goals were not funded when we assume  returns and inflation from earlier periods in history with market corrections and/or higher inflation. 

By helping you save, reduce your taxes, protect your wealth,  stick with a disciplined well-diversified investment strategy, and make the right decisions regarding retirement, we can make a real difference in your ability to fund your dreams and lifestyle.  

If you would like to learn more about Our Services, please click here.