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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.

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.

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.

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.

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. 

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. 

It takes two to tango

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

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.

Blog Posts
 

You Can’t Take it With You

Without a doubt, the majority of clients who work with us are primarily focused on retirement income. However, once retirement needs have been satisfied clients usually want to discuss how to best transition their money to their heirs. But when I read What will you do with your inheritance? I realized that clients need to place greater emphasis on what will happen to that inheritance once it passes to the next generation.

In a survey sponsored by interest.com and conducted August 1st – 4st by Princeton Research Associates International, nearly 2/3 of responders who were at least 60 years of age indicated that they intend to leave an inheritance. Of the respondents age 18 – 59 who expect to receive an inheritance, here is how they said they intended to use the largest share of it:

  • 3% : Buy something special like jewelry or a luxury car
  • 3% : Vacation travel
  • 9% : Upgrade housing
  • 12% : Pay for education
  • 18% : Pay off debt
  • 42% : Invest
  • 5% : Other
  • 8% : Don't know

The good news is that it seems most expectant inheritance recipients have good intentions, but Texas Tech personal finance Associate Professor Russell James is quoted in the article "Whenever you talk to people about what they're going to do with money in the future, it's always responsible choices, but then it's a little different when they actually get it."

We have worked with many clients who have received inheritances and helped them adjust their financial plan accordingly. Yet there have been many times when, during a routine review, clients have told us about an inheritance that had already passed through their hands. Professor James points out "At least half the people are going to blow it, and by blow it, I mean 12 months later it will be gone."

This insight is going to influence how we follow up with clients and their plans to leave an inheritance. The lesson to be learned from this is to encourage the beneficiaries to incorporate an anticipated inheritance into their financial plan long before it actually happens. It will be interesting to see how clients respond to this. Will they be reluctant to share their financial information with children with concerns about creating expectations or encouraging early requests for help? Hopefully, the same individuals who have been diligent and responsible with their own money will see the opportunity to encourage their children to continue down the same path.