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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.

It takes two to tango

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

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.

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.

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.

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.

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.

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.

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. 

Blog Posts
 

Aviva USA: Will a possible sale affect you?

I generally avoid posting about newsworthy topics. The media is a much more efficient outlet of news that this website. However, occasionally there is a newsworthy event which needs to be addressed. Last week the Des Moines Register reported that Aviva plc would "consider offers" for Aviva USA and then yesterday evening I saw stories on the local news further worrying what would happen if one of the region's largest employers were to be sold. Aviva is strong insurance company and they have produced some great financial products. For those clients who own Aviva products, I thought it may be helpful to address how all of this speculation may affect you.

Aviva USA is the U.S. subsidiary of the larger United Kingdom based global insurance giant Aviva plc. All insurance companies are owned either by their policy owners (a mutual company) or by investors (a stock company). Aviva USA is a stock insurance company but 100% of the stock is owned by Aviva plc. It is important to understand this distinction because stock insurance companies change ownership constantly. Stock of companies like Principal, Prudential, Genworth, and Allstate (just to name a few) trade continuously on public exchanges. Every time a share of stock changes hands, the ownership of the company changes but that does not affect the company's in-force policies.

The only difference between a publicly held stock insurance company and a privately held stock insurance company, is that there is no active marketplace for shares of Aviva USA stock. If, and no one has been able to confirm or deny that a deal is in the works, Aviva plc were to sell their stock in Aviva USA there would be little impact on the company's financial stability or their obligation to honor the insurance contracts which are currently in force.

Who knows if Aviva USA is up for sale? From the perspective of a policy owner or an insured, there is nothing to fear.

The greater risk is to the Central Iowa economy if new ownership were to decide to relocate the company. Given that the company just built a state-of-the-art $150 million headquarters, I find it hard to imagine that any buyer of Aviva USA would be willing to abandon the current facility.