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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. 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

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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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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.

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.

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. 

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.

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. 

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.

Blog Posts
 

What The???

It was certainly wild on Wall Street yesterday. The Dow settled at 10,520.32 Thursday after a 347.80 loss, with fears over European sovereign debt affecting stocks. Yet the 347.80 decline was just half the story. The DJIA also saw its biggest intraday swoon Thursday, diving 998.50 below the open at one point.1,2

What happened? At this point, it looks like technology and trading errors betrayed Wall Street. Citing multiple sources on May 6, CNBC and Reuters reported that a trader, possibly at Citigroup, mistakenly typed a "b" for billion instead of an "m" for million – apparently when authorizing a trade concerning Procter & Gamble. P&G shares fell 37% at one point (more than $22) before recovering to lose 3% on the market day.3,4,5

Some weird things happened Thursday. In two minutes, 16 billion e-minis (futures contracts tied to the S&P 500) were sold. Accenture became a penny stock – no kidding, share values were showing up at $.01 on the New York Stock Exchange at one point. PG and 3M shares actually went below the "circuit breaker" level on the NYSE, freeing traders to purchase and sell shares of those companies on other exchanges. Clearly, technology was running wild.4,5,6

By the evening, the NASDAQ announced it would cancel all trades of stocks whose prices moved more than 60% between 2:40-3:00pm EST on May 6. Just minutes after that news item, the NYSE said it would do the exact same thing.7

What's the lesson? Be patient. Don't succumb to impulse. We have seen major market volatility AND major rebounds. Curse the technology that caused this swoon if you like, but keep true to the process.

Did yesterday make you think about your money? If so, let's talk about it. I am here for you.

1 – money.cnn.com/ [5/6/10]

2 – cnbc.com/id/36988229 [5/6/10]

3 – cnbc.com/id/36999483 [5/6/10]

4 –money.cnn.com/2010/05/06/markets/markets_newyork/index.htm [4/29/10]

5- cnbc.com/id/36988229 [5/6/10]

6 – blogs.barrons.com/stockstowatchtoday/2010/05/06/no-ordinary-collapse-dow-snaps-back-from-1000-pt-drop/ [5/6/10]

7 – reuters.com/article/idUSN0614132620100506?type=marketsNews [5/6/10]