We are fiduciaries, which means that we are legally obligated to put your interests ahead of our own. 

We are a fee-only financial planning firm.  We do not work on commission, we do not benefit by putting you in any investment, and we do not benefit when a trade is made in your account.

We offer a complete financial planning solution.  A complete financial planning solution includes working with you to develop financial goals, documenting your current financial situation, creating a financial plan, implementing the financial plan, managing your portfolio, and periodic consultations.  You can, of course, contact us whenever you need guidance on a financial decision.

The actual process we would use when working together is customized for you depending on your situation. Here is a process that you might find beneficial depending on your circumstances:

 

1.   We have a free, no obligation meeting to explore whether partnering together would be mutually beneficial. You will talk about your background, your concerns, and your goals.  We discuss our company and our services in more detail.  We can both assess whether we would enjoy working together.

2.   We have in-depth discussions to understand your goals, financial situation, and risk tolerance. We develop and prioritize your financial goals.  These goals can be short-term (“buy a car in three years”), intermediate term (“send a child to college in seven years”), and long-term (“retire comfortably in twenty years”).  The actual developed goals will have numerical targets.

3.   We develop a plan to help you reach your goals.  Savings needs, investments, insurance, expenses, income taxes, and estate taxes will be considered when developing your financial plan.  You review this plan so we can make sure it meets your needs.

4.   If we can’t develop a reasonable plan to reach your financial goals, we work together to decide what tradeoffs should be made.  Changes to your savings plan, your portfolio, or your goals can be considered.  In any case, you will know your financial situation instead of being uncertain about it.

5.   We work together to implement the plan. 

6.   We periodically get together to assess whether your goals have changed and whether you are still on track to meet your financial goals.