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It starts with a plan

How We Work 

We are passionate about setting your financial house in order, moving you toward your goals. 

Our comprehensive approach to financial planning and wealth management means developing a strong relationship with our clients, to gain a deeper understanding of their objectives.  We review everything from monthly cash flow, budgeting, investment suitability, tax planning and more.  

It starts with you  ~  Deciding upon your investment structure is the final task of the financial planning process.  The two are interconnected, investment choices are driven by your personal goals and values.

The measure of success is your after-tax, after-fee return  ~  As your fiduciary we always work with your best interest in mind. Our goal is to earn you the highest possible after-tax, after-fee return for the level of risk that is most appropriate for you.  To this end we have chosen to work as independent advisors who do not push proprietary products. Instead, we are constantly searching for the best opportunities in our ever-changing economic climate. Our goal is not to time the market, but to identify how the market can make your money work for you. We formulate our investment structure on risk mitigation and limiting downside exposure. Our team focuses on establishing a long-term suitable investment structure that works in combination with your personalized financial plan. 

Continue to systematically monitor and evaluate  ~  Your investment choices are not a one and done situation. There are literally hundreds if not thousands of ways to go about filling each piece of your asset allocation pie. Maintaining proper diversification within each asset class is an art form learned through years  of education and dedicated experience.  These decisions are not driven by economic turbulence, we circles back to where we started, with your personal goals and values.

Collaborate with your key professionals ~ We believe that proactive and open communication with your tax and legal professionals is the most effective method for helping you work towards your financial goals. Clear and collaborative communication between your professional partners can help ensure your tax, estate and investment planning needs are fully aligned.  We are happy to work with your attorney(s) or tax advisor(s) to coordinate strategies and help ensure your best interests always come first. 

All investing involves  risk including loss of principal. no strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against loss