Should We Work Together?

 Please read the following to determine if we are a good fit.  As my aunt used to say, "There is a lid for ever pot". The same applies here. Not every financial planner is a good match for every person seeking advice. 

After reading the following, feel free to email or call me personally for a complimentary chat pertaining to your situation in more detail.

Our Clients

Our clients are those who wish to have a centralized financial resource integrated into their lives and who value objectivity in their advisors. Our typical clients are interested in making the most of their financial life, but may not have sufficient time, knowledge or desire to devote to it. Or, their financial life may have suddenly become more complex. A job change or loss, recent retirement, divorce, marriage or a new business venture are a few examples. By having an objective, professional firm working for them, our clients are relieved of the anxiety of constantly keeping up with financial changes when there are so many other demands on their time. By evaluating all the options, we simplify decision-making.

Some of our of clients have sizable assets and some we have helped get out of debt.  Unlike some firms, we have no "investment minimums" .  Whatever your goals, if it is important to you, then it's important to us and we will do everything possible to help you achieve them.

Objective Advice

We strictly adhere to the CFP® Board of Standards of putting the client first. We encourage clients to call on our financial knowledge on an ongoing basis. We have no financial relationships with proprietary companies or products. Being affiliated with a true independent broker dealer allows us to make recommendations that are in your best interest. 

What We Deliver

Each Financial Planning Engagement begins with a thorough review of financial information to determine where you currently stand and equally important, where you want to go; what your dreams are and what you want your money to accomplish. We work with you to resolve conflicting objectives and give clarity to the sometimes contradictory financial information found in the news. (Bad news sells. I feel sometimes that if today's media was around at the birth of the light bulb, they would have lamented the death of the candle).  We then present a written plan that could incorporate a Net Worth Statement, cash flow and debt management; asset allocation and investment management; asset protection and insurance needs; tax analysis and planning; saving for retirement and college, or other goals; charitable giving; and estate planning. To the extent that there is a specific need, for example, a pending divorce, a loved one entering a nursing home or business venture your personal plan may focus attention in those areas and their impact on overall objectives. You may have several goals or just one. As time goes on, we can help you adapt to and capitalize on changes that you will encounter. We encourage you to call us whenever there is a need, concern or change.

Our Promise To You

We hold ourselves to the highest standards of ethics and professional responsibility. We adhere to the Codes of Ethics of each of the following organizations: Certified Financial Planner® Board of Standards and the Financial Planning Association. We will return your calls or emails on a timely basis. Generally, the same day in most instances.

The bottom line is that we don't do anything you don't understand or agree to. No jargon. No legalese.  Just plain English.

What We Are Not

We are not stock brokers, commodity brokers or into Day Trading. If your goal is to get rich over night or do something illegal, we definitely are not a good fit. We are looking for a long term relationship with our clients to help them meet their goals.

See the "Frequently Asked Questions" tab on the Home Page for more info.