Fee-Only Investment Advisory Services
Comprehensive Financial Planning and Investment Management Services
The process begins with getting a clear picture of your current financial situation, clarifying your goals and determining the steps necessary to bridge the two. As life happens or your goals change, we'll adjust your plan. Even for clients with significant wealth, financial planning is an essential component of a successful investing experience.
How We Can Help
Comprehensive Financial Planning
Sure, comprehensive financial planning includes the items listed elsewhere on the page, but it also includes advising on the best way-and how much- to save for little Johnny or Jenny’s college, setting clear retirement and other expense goals and determining if you’re on track to reach them, advising on equity compensation and social security strategies, insurance plans and much more. Comprehensive means if it touches your financial life, we probably advise on it and have seen it before!
Portfolio Management
When is the last time you thought about why you’re invested the way you are? What percentage of your total investments are in international stocks or funds? What about how much cash you have on the sidelines (it’s okay, we don’t judge!). We’ll implement a clear investment philosophy, and ensure your assets are invested according to your risk tolerance and capacity.
Insurance and Estate Planning
So your brother-in-law is an “insurance guy/gal”? Your uncle is an estate planning attorney? We’ll work with your existing advisors or if you’re looking for someone new, provide some names of people we’ve worked with in the past- and no, they don’t take us to dinner or send us gifts for the referral. Either way, working with us means having someone in your corner who understands what’s needed and can’t sell you a policy or charge you by the hour for estate questions!
Proactive Tax Planning
It may have been Ben Franklin who said “don’t pay more than your share of taxes”. Or maybe it was something else on death and taxes. Either way, even the most patriotic of citizens shouldn’t pay more than what’s necessary. Let your CPA (or online program) prepare and file your taxes, and let us help you better plan and minimize your tax burden.
Benefits To Working With Us
Client Driven Decision Making
You can avoid worrying if there's a conflict of interest or your advisor is getting paid more to sell one type of investment over another. We don't sell products and our compensation is paid only by you.
Transparent Fees
As a Fee-Only Financial Advisor, our compensation comes directly - and only - from our clients; never from commissisons, referral fees or mutual fund companies.
Client Portal
Link your accounts in our secure and convenient personal financial website for up to date portfolio values, balance sheets and more. Store sensitive files, view outstanding tasks from previous meetings or send us a message.
Accountability
We keep you disciplined, focused on your investment goals and not on short-term market moves, stock-jocks or the news cycle.
If you choose to have us manage your money, our preferred custodian is TD Ameritrade Institutional/Schwab.
