What do we do?

We plan for the most important financial goals in a person’s life such as planning for retirement, creating retirement income or managing an investment portfolio. With each client that hires us, we measure of success by either making them more than the cost to hire us or saving them more than the cost to hire us every year. Ultimately, we reduce stress in our clients’ lives by being a resource for them to make informed decisions based on their preferences.

Who do we work for?

There are two primary groups that we serve: Pre-Retirees and Retirees.

Pre-Retirees are typically in their peak earning years, the kids are out of the house and for the most part they are exclusively focused on Retirement.  They want to retire comfortably and would like to know what it will take to achieve this milestone.

Retirees are looking to create income from their nest egg and ensure that they do not run out of money.  Making the most of their Social Security is an important component to this overall strategy.

How do we serve clients?

The Financial Planning process is an important component to the service that we provide.  This process is fairly standard, but it’s important to know that when we work together we do go through a process. 

There are six key areas of financial planning, of which we cover each:

1.     Current Position: Managing cash flow and where to direct excess income

2.    Adequate Protection: Evaluating which insurances are appropriate for each stage of your planning

3.    Investments: Managing risk based on your preferences

4.   Taxes: Prepared by a Tax advisor and we will discuss both ways to reduce taxes now as well as in Retirement

5.   Retirement: The plan will detail for us at what age and what dollar amount retirement is affordable or what it will otherwise take to retire comfortably

6.      Estate Planning: Prepared by an attorney to provide for the orderly distribution of your estate to your family and heirs

What makes us different?

First, our company is independent.  We are privately held and do not have any outside pressures from shareholders or a parent company influencing our recommendations.  As a result our advice is objective.

Second, you'll be working CERTIFIED FINANCIAL PLANNER™ professionals.  To learn more about the CFP® designation, please click here.