Many of us have experienced planning from the transactional, piecemealed approach. We open an investment account one year. Buy an insurance policy a few years later. Enroll in company benefits each year. The list goes on. True comprehensive financial planning is conducted on an ongoing basis. It coordinates all pieces of your financial affairs, identifies your financial goals and objectives, strategizes, implements and monitors these goals throughout the year.

While the list can be comprehensive, some of the most common goals involve buying a home or relocation, planning for a newborn, college funding, paying off debt, being on track for retirement, protection of assets, portfolio diversification, tax reduction strategies, budgeting, building credit and legacy planning.

There are several studies that quantify the value of making sound financial planning decisions, including Morningstar’s. Beyond the studies, the practical benefits are many – having a financial professional on their side can be invaluable. The knowledge, time, and behavioral elements (organization, accountability, focus, proactivity, keeping emotions in check) help weigh alternatives and validate decisions, address challenges head-on, prevent costly mistakes and create peace of mind.

Our clients come from many walks of life and lead busy lives. Despite their demographic and geographic diversity, they share several core desires:

1. They want someone who they trust and will listen to their goals and values
2. They want to make informed financial decisions based on their situation instead of fitting them into the box of a pre-defined solution
3. They want a fiduciary who acts in their best interest at all times

By listening to you and acting in your best interest. Have you ever researched a financial article online, but have no idea if the author had your situation in mind when it was written, or if the solutions mentioned had advertising revenue tied to the article? Customization occurs through a process involving data and interactive dialogue. Data, while useful, doesn’t tell your story (where you’ve been, future direction, values in making critical decisions). Our process opens the doors of judgement-free communication to understand your values, goals, challenges and opportunities. This combination of data, discussion, time and analysis generates your solution.

We only work with clients on a long-term basis since we believe long-term planning provides the most impactful service and value. If you are only seeking transactional advice, consider another advisory firm.

Our service models include financial planning and investment management. We offer an annual retainer fee model for DIY investors and asset under management model (AUM) for those interested in professional investment management.

We do not offer hourly planning services.

This is a great opportunity to understand your situation at a high level and connect through an interactive dialogue. It is highly recommended that all decision makers be available at this time so that all perspectives are shared. After hearing your situation, we can discuss if there is a mutual fit.