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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.

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. 

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 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.

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.

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. 

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.

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

IRA mishaps can be expensive

A new client and I met for the first time this past March. She was quite upset about a tax bill she was going to have to pay in April because of a problem with one of her IRA's.

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Traditional or Roth

The question is quite common. Now that Roth contributions are available in 401(k)'s as well as IRA's, clients always want to know which is better for them. With both options money is tax deferred, but in the traditional model you defer your taxes until you take the money out. In the Roth model you pay taxes on your contributions but get to take your distributions tax fee. While the money is tax deferred you usually have the same investment choices to select from so the only real difference is where you pay your taxes; on the money you put in or on the money you take out.

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The Facts 2012: Looking at Social Security

Last week the Social Security Administration released the 2012 OASDI Trustees Report which has both sides of the Social Security debate fired up. This report tells us exactly what is going on with the social security program but without the political interpretation. As Sergeant Joe Friday used to say on the TV show Dragnet "all we want are the facts, ma'am", so here are the facts.

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What is an Exchange Traded Fund?

This is the last article in a short series. You may want to start at the beginning, Three Really Good Questions

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