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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. When 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 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.

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. 

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.

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.

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 takes two to tango

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

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.

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. 

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.

Blog Posts
 

Don’t Try This at Home – Outrageous Attempted Tax Deductions from 2014

It is that time of year again. Maybe it is an attempt to give their members some much needed comic relief, but every year the Minnesota Society of Certified Public Accountants releases a survey of the most outrageous tax deductions attempted to be claimed by clients.

  1. Questionable Dependents – Apparently it is popular to try and claim pets as dependents. One CPA even reported that a woman tried to claim her unborn child.
  2. Daughter’s Wedding – You would be one heck of a great salesperson if you could convince an IRS auditor that the full cost of your daughter’s wedding was business entertainment
  3. Speeding Tickets – Sorry. Not a business expense. Even if you were running late for a business meeting.
  4. Looking a gift horse in the mouth – One CPA’s client learned that they could not claim a vehicle which was impounded by the police as a Charitable Deduction.
  5. Hobbies – The IRS does not allow deductions for hobby expenses as one client learned when he attempted to take deductions for his horse ranch.
  6. Keeping up appearances – the cost of haircuts, plastic surgery, massages, or spa experiences are sadly not deductible.
  7. Creative investments – No one buys real estate with the expectation of losing money. But the loss from the sale of a personal home does not qualify as investment loss.
  8. Home office expenses – Tax code does permit certain home expenses to be considered office expenses, but only the portion of the home dedicated to the business. Sadly, groceries are not included.
  9. Boat – One CPA had to tell a client that his boat was not deductible as a “water computer”.
  10. Hunting trips because you “talk business” – no matter how much you complain about your boss.

Photo: Taxes – Illustration by DonkeyHotey