We are independent financial planners. We do not represent any other organization or product. Our goal is to offer objective advice. We treat your money with the same care and prudence with which we treat our own. Our systems are designed to support you, not the goals of an insurance or investment company. Our planners begin with your needs and values and then take intricate and diverse data and make it meaningful to your personal situation.

In short, we act as your fiduciary, which is a relationship founded on trust and confidence.

We are not a sales organization. We do not represent any particular insurance or investment company. We do not work to quotas. We are not market-timers. We do not chase the latest product fad. We do not bury you in information to make it “appear” as if you’re receiving great service.

There are six defined steps to building a financial plan. They are:

1. Establish the relationship — We get to know each other and determine whether we are a fit. You want a sense that we are trustworthy. We need to know that you have realistic expectations and are willing to share relevant information.
2. Gather information — We give you a list of information to gather so we know where you are and what you have. We want actual documents so we can determine precisely what you own.
3. Analyze data — Our financial planners conduct a detailed analysis of the information you have provided.
4. Develop Plan — We prepare an outline of issues and recommendations, and run reports covering all six areas of the financial plan.
5. Implement the plan — We help put the necessary pieces in place or assist you in doing your own implementation.
6. Monitor the plan — We monitor progress and make changes as necessary.

You want a customized plan with costs appropriate for your situation. Therefore, we rise above the “Fee Only” vs. “Fee vs. Commission” argument to best benefit the client. As a registered investment advisory firm, we are required to disclose fully in advance all compensation and conflicts of interest--no surprises, no hidden fees.

Fees:

• Retainer
• Flat fee
• Hourly
• Percent of assets

Commissions:

We use commissions if certain products are needed or if we can identify no better alternative than what currently exists. Also used in some situations where commissions are significantly less expensive than fee alternatives.