We are a service-focused and financial goal-focused firm. We understand that you are saving and investing for a reason, and our job as your financial planners is to make sure we focus on those financial goals. This is usually done via a multi-step process:

  • Financial goal setting, analysis, and recommendations. Common financial goals for our clients are:

    – Retirement goal planning, including preparing for retirement and income planning

    – Advice on workplace retirement plans (401(k)s, pensions, 403(b)s, etc.)

    – Social security and Medicare planning

    – Education funding for private K through 12 or college

    – Saving for a large purchase, such as a second home, rental property, or a business

    – Cash reserve planning

    – Tax planning strategies and estate planning concerns

  • Independent, sophisticated, and objective investment portfolio management. Our techniques focus on risk control, cost control, and the consistent performance of investments. All three factors contribute to the total return for our clients' portfolios. And while we perform complex portfolio construction, we also see to it that our clients are not burdened by the process. We keep the process as turnkey as possible for our clients.

  • Risk management strategies and insurance recommendations. This includes advice on the proper coverage for life, disability, long-term care, or health insurance*. It also includes assistance in finding coverage by shopping and comparing quotes from many different insurers to ensure our clients are getting competitive quotes and coverage from quality insurers.

  • Ongoing monitoring and reviewing of financial goals, investments, and insurance through regular appointments or conference calls.

Business owners, please see the "Businesses" tab under Our Services menu.


How We Charge

We typically charge a flat fee for our financial planning and financial goal analysis services. This covers all required meetings, analysis, staff time, recommendations review, and printing/delivery of your financial plans. Our fee is based on the number of your financial goals, the complexity of your situation, and the number of workplace retirement plans we review for you. Please contact us for a specific quote.

When managing investment portfolios, we usually charge a fee based on the percentage of assets invested with us. This is known as "fee-based" investment management. While much of the financial services industry is still "selling" investments and charging commissions rather than managing investments, we believe that it serves our clients better working under a fee-based investment relationship in most cases.

It is also important to understand that when we provide financial planning advice or investment management, we are acting as our client's fiduciary, in that we are always placing the client's interests above our own. We believe that our fiduciary standard provides clients with financial confidence in knowing that their interests are being put first, in all cases. While many financial professionals have chosen not to accept the fiduciary relationship with clients, our firm has chosen to make it a critical part of our service and our professional conduct.

We are also licensed to provide alternative financial instruments, such as annuities and insurance. As independent financial planners, we will evaluate and compare many different insurance and annuity companies on your behalf. In many cases, we can work under a fee-based relationship or a commission relationship for these financial products, depending on your preferences and needs.

We are always ready to discuss how we are compensated and never want our clients to feel that there are any hidden conflicts of interest.

*Fixed Insurance products and services offered through WealthSpring or CES Insurance Agency.