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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.


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.

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.

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. 

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.

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 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. 

Blog Posts

Is the National Debt the Real Problem?

A couple weeks ago I had the opportunity to attend a meeting hosted by First Trust. There I had the opportunity to hear the latest perspective from their Chief Economist, Chief Investment Officer, lead analysts from Equity Strategy Research and Closed-End Funds. The presentations were good, but having been attending their meetings whenever possible I have become acquainted with some of them individually. I think I learn more in our one on one discussions then I do in the formal programs.

The Chief Executive Officer, Jim Bowen, also made a fantastic presentation. He brings a unique and unfiltered perspective which I find refreshing. This particular presentation had one point which I have not been able to get out of my mind ever since.

We have all heard about our growing national debt and the forecast of hellfire it is bringing our way. Jim did not condone our national debt, but he did provide an original view of the situation. He started by pointing out that when President Eisenhower left office, defense spending was more than 60% of federal spending. Since then, it has decreased to about 20%. Conversely, payments to individuals used to be about 20% of federal spending and now it is in excess of 60% (and growing). At the same time, net interest has fluctuated but seems to keep within the 5% – 10% range.

So which should be a bigger concern; our rising national debt or our entitlement programs?

Perhaps even more interesting to me was the breakdown of the payments to individuals.

One role of government is to care for those citizens who are unable to care for themselves, but 76% of payments to individuals is through the Social Security and Medicare/Medicaid programs. These two areas alone represent over 45% of federal spending! The shocking realization to me is that we could conceivably fix our budget problems without withholding services from those who truly need them.

So as we enter the 2012 election season (already?!), if you are concerned about the federal budget, ask yourself which programs could have the biggest impact on our future economic stability. (Hint: It's not our interest payments).