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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.

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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

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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.

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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. 

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.

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.

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.

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.

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. 

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. 

Blog Posts

Tightrope To Tighten Through Taper

It is simply a balancing act. Not the vicarious performer in the picture, but the monetary policy of The Fed.

The Fed made a decision, during the Financial Crisis to have a loose monetary policy. Once the interest rates were lowered to essentially zero, they continued to increase the money supply by buying back Government Bonds. In 2007 the Fed's balance sheet showed excess reserves (basically the bonds they have purchased) of about $13 billion. Earlier this year, the Fed's excess reserves had grown to $1.7 Trillion. In a bit over 5 years the Fed's excess reserves have grown over 1300%! And the excess reserves are continuing to grow because the Fed is buying $85 billion in bonds every month.

Monetary policy cannot er, should not stay this easy forever. But extreme care must be taken to make certain the economy does not slip in the process.

This summer the Fed revised their guidance to let us know that before it starts to raise interest rates, it would first slow down the bond buying program. Since the interest rates will be kept low, the Fed said there were not 'tightening' monetary policy, they would simply be 'tapering' bond purchases. Wall Street responded with the financial equivalent of a temper tantrum; bond prices dropped and yields suddenly increased signifying the end of a 30 year bull market for bonds.

Economically, the response can be explained with simple supply and demand concepts. If the largest buyer of bonds stops buying, demand for bonds drops. If you assume a constant supply of bonds and lower demand, the price will naturally fall. And if the largest buyer of bonds were to suddenly become the largest seller, now you have decreased demand with increased supply and prices would rapidly decrease.

Keep in mind that the Fed didn't actually do anything… all they did was announce future intentions… and it rocked the market until the situation in Syria overshadowed the news.

If tapering was the only issue eventually supply would adapt and prices would stabilize, but after the taper will come the tightening. Tightening of monetary policy would be decreasing the money supply by the Fed increasing interest rates. Always remember the basic bond pricing relationship. When interest rates rise, bond prices fall.

Traditionally bonds have been a haven for safety and income. Investors who plan to hold their bonds long term to maturity really shouldn't care about market value. But investors in bond funds, or who need to sell their bonds prior to maturity, should be wary. We may be heading into a secular bear market for bonds.

So why doesn't the Fed just keep an easy position and avoid a bond market heartache? Because even though there may be some short term pain, capitalism needs a free and open market; not one constrained through government influence. I have never seen a better explanation of the long term benefits by removing government influence than Brian Westbury's two part video series "Keynesian Fallacy". The two videos are well worth the 15 minutes.

Westbury 101: Keynesian Fallacy Part 1

Westbury 101: Keynesian Fallacy Part 2


Photo Tightrope by Englishpointers (Hate Sleep Apneoa)