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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.

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.

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.

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.

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.

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. 

It takes two to tango

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

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.

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.

Blog Posts
 

Happy Independence Day!

I find it a bit odd when the 4th of July falls on a Wednesday, the middle of the week. Instead of the traditional long weekend celebration we have two very short work weeks sandwiched around one day of grills, parades, fireworks, and the 2012 special – blistering heat.

My favorite Independence Day quote comes from the man who made it all possible, King George III. On July 4, 1776 he wrote in his diary "Nothing important happened today." So if you wish, sit back and relax. Celebrate our American Independence and the freedom for which so many have given so much.

But just in case you want to work on a little financial independence, I thought I would share something I rediscovered while working on the upcoming quarterly client letter.

Bob Farrell's 10 Market Rules to Remember

Bob Farrell joined Merrill Lynch in 1957 after studying under Benjamin Graham at Columbia University. In 1967 he assumed the role of Chief Market Strategist, a post that he held for 25 years; for 16 of the 17 years prior to that, he was the top ranked Wall Street analyst in predicting the overall direction of the stock market. Farrell continued to write and make public appearances after stepping down as Chief Investment Strategist. He is best known for his 10 Market Rules to Remember, published in 1992.

  1. Markets tend to return to the mean over time.
  2. Excesses in one direction will lead to an opposite excess in the other direction.
  3. There are no new eras — excesses are never permanent.
  4. Exponential rapidly rising or falling markets usually go further than you think, but they do not correct by going sideways.
  5. The public buys the most at the top and the least at the bottom.
  6. Fear and greed are stronger than long-term resolve.
  7. Markets are strongest when they are broad and weakest when they narrow to a handful of blue-chip names.
  8. Bear markets have three stages — sharp down, reflexive rebound and a drawn-out fundamental downtrend.
  9. When all the experts and forecasts agree — something else is going to happen.
  10. Bull markets are more fun than bear markets

Photo Fireworks by bayasaa