We help clients move from financial uncertainty to clarity through.
Respectful Compassion – “People don’t care how much you know until they know how much you care.” -Theodore RooseveltWe care about each of our clients, as well as one another and our own families.
Continual self improvement – “An investment in knowledge always pays the best interest.” Ben FranklinWe make a point of attending continuous education every year to stay on top of economic, legislative and industry changes that can affect our clients' outcomes. We also regularly offer classes to make our clients smarter about money.
Collaboration - "Alone we can do so little; together we can do so much." – Helen KellerWe all work together to solve an issue and support one another as needs arise.
Transparency - "Honesty is the first chapter in the book of wisdom." – Thomas JeffersonWe embrace our fiduciary duty. That means client needs always come first.
Life balance - "Never get so busy making a living that you forget to make a life." - Dolly Parton
We strive to provide unmatched personal service to our clients, who we think of as family. In the same way, we love and prioritize time with our spouses, children, extended family and greater community. We work as a team, so that we are each able to balance our professional commitments with maintaining loving family relationships and purposeful lives.
For new clients we like to do a complete inventory of their financial situation, and also take time to get to know you. There is a financial planning fee for this service, just like when a physician does test to find the issues before providing answers.
The financial plan looks at all goals as well as issues we might need to address and makes recommendations.
After that step, should you agree to continue the relationship, we implement the recommendations and then begin to monitor them.
We usually see our clients annually, some more often if needs arise.
We offer a financial plan for a one-time fee of $495 to gain an understanding of where you are currently and align that with your goals. Consider it a diagnostic test much in the way a physician might do tests to understand you as a patient. It includes a risk tolerance assessment, goal planning, current asset evaluation and proposal.
Fees for managing investments are tiered from 1.1% for accounts under $250,000 and downward. We use lowest cost possible institutional share classes, do not charge trading fees, rebalancing fees, IRA fees, check disbursement fees or any other ways many firms have hidden charges. We always sit at your side of the table because we make more if you make more.
If the service does not involve an initial financial plan or asset management, we can work on a fee only basis, hourly or project based.