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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. 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

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.

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 takes two to tango

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

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.

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. 

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. 

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.

Blog Posts

What, Me worry? The Health and Financial Correlation

Have market losses ever made you sick? If so, according to a recent study by Joseph Engelberg and Christopher Parsons associate professors of finance at the University of California at San Diego, you are not alone. After examining three decades of hospital admission data they concluded that hospitalizations rise on days when shares fall and that “people are hospitalized disproportionately for mental conditions”. Their research shows that equity market losses appeared to induce 3700 market related hospitalizations a year in California alone. When the data is extrapolated nationally, using the Census Bureau data showing the average hospitalization event costs around $21,000, they estimate the U.S. economic impact to be roughly $650 million a year.

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Letter to Clients: 4th Quarter 2013

Dear Clients & Friends: Is it just me, or does each passing year seem to go faster and faster? It is hard to believe that we are entering the final quarter of 2013. Soon the holidays will be over and it will be 2014. Let’s take a moment to examine market performance, discuss the elements of an effective plan, ask if bonds are too risky or if stocks are set to fail, and conclude with what all this means for your portfolio. But before we do, I have some exciting news to announce.

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Are Stock Splits Passé?

I grew up in the 1970's and graduated High School in the early 1980's. I grew up watching Happy Days and remember wondering how the leather jackets, slicked back hair, and the poodle ever came into fashion. Meanwhile my high school yearbook is filled with pictures of kids with bright pastel outfits, huge round glasses, and girls with big hair. As a kid in the 70's the 50's seemed like ancient history but it was only 20 years before. Now I wonder what kids today think about the 1980's with an appreciation for the irony that my 30th High School reunion has already been held.

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Two Things You Have To Do With the U.S. Credit Default Looming

This weekend I was at a flag football game for my 8 year old son and was talking to another dad who is also a professional colleague at another firm. While watching our boys warm up, we typically exchange a few words about business. Between the two of us, we have almost 50 years of experience and often have similar perspectives in the advice we give clients. This week we talked about how clients were responding to the Washington D.C. drama and decided there were two simple things clients should do.

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