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Fiduciary

We provide the highest level of care and accountability. Everything we do must be in your best interest.

Complete Transparency

No magic tricks or distractions. Everything we do is transparent. Log into our online system to see your accounts any time, from any device, no matter where you may be.

Experienced

We have been serving client needs for over 30 years which means we probably have experience in situations like yours.

Local & Available

We are not a large institution. We are your neighbors who happen to offer financial expertise. When you call, we answer. We you need someone, we are here.

Different People. Unique Needs

Some people need help accumulating and growing wealth. Others need assistance with the responsibilities wealth creates. No matter your money issues, we will help you find the solutions which best fit

Retire Confident

Retirement is a once-in-a-lifetime experience, but we have helped people retire comfortably and confidently for over 30 years. We can help you too.

Get Comfortable

We provide a safe and relaxed environment where you can be comfortable with your money.

Investing, not trading

It is not flashy, but the long term outlook has stood the test of time. We seek to capitalize on this trend through patience and discipline rather than guessing when to zig and when to zag.

Independence brings freedom

Our “product” is our guidance and advice, not specific investments. We are neutral and transparent when selecting the solutions necessary to implement your plan.

It is a journey,
not a destination

No matter what your stage of life and career, we can help you. As you change and grow, we adjust so your plan continues to fit your needs.

The media provides exposure, not advice

In this age of information overload, there are an over-whelming number of financial opinions. We help you focus on your specific financial goals by using our experience and knowledge as a filter to cut through the constant noise and chatter.

It takes two to tango

We provide the know-how; you provide direction and guidance. 

Putting it all together

All the parts of your life are connected. Getting to know you goes beyond your finances. We want to know your values, hopes, and dreams so your success is not purely financial. A life measured only in dollars can never be rich. 

Wealth is not determined by money

Wealth is determined by love, happiness, and relationships. The number of dollars in your account does not make you more or less than anyone else.

Simplicity

It is our job to explain your money in simple and straight-forward terms, not to impress you with jargon and investment “speak”. You can never ask too many questions. 

You are not your neighbor

There is no magic formula that works for everyone. We have the knowledge, experience and tools to help you plan and achieve your goals.

Blog Posts
 

And the times, they are a-changing

I knew it would happen sooner or later.

I was at a social function and someone came up to me and asked why I had not been writing very much. I wish I had a good excuse, but I don't.

It is simply a fact that we are in a time of change and transition. The old perspectives can no longer just be assumed. Clients and planners alike must question everything and reassess their portfolios, goals, and risks. It is a time of uncertainty but also a time of great opportunity. As of the beginning of this year I have been in practice for over twenty years, and never before have I experienced such a strong demand for my time.

Last year, in Managing the Road to Retirement from the TransAmerica Center for Retirement Studies, survey respondents were asked how much money they believe they will need to have saved by retirement to feel secure. Here are the survey results:

Ages 20 – 29

$750,000

Ages 30 – 39

$1,000,000

Ages 40 – 49

$800,000

Ages 50 – 59

$500,000

Ages 60 +

$500,000

 

With the exception of the youngest group, it makes sense that younger respondents felt like they would need to have more money saved to feel secure in retirement. Over time, inflation demands retirees have more available savings to pay for the same retirement.

The real eye-opener for me was the follow up question where the same respondents were asked to admit if they had just guessed at that amount. The percentages who admitted to guessing were:

Ages 20 – 29

63%

Ages 30 – 39

50%

Ages 40 – 49

49%

Ages 50 – 59

45%

Ages 60 +

37%

 

Again, those closest to retirement seemed more certain of their responses but still… more than 1/3 of pre-retirees have no idea how much money they will need for a successful retirement. Add to that an uncertain stock market, talk of potential tax increases, and fears of inflation. Is it any wonder many people are seeking professional advice?