"If you do nothing unexpected, nothing unexpected happens.” -Fay Weldon
"You see, in life, lots of people know what to do, but few people actually do what they know. Knowing is not enough! You must take action.” -Anthony Robbins
We are uniquely different from other financial advisors
Our commitment is to provide comprehensive "fee-only" financial and investment planning. We will never receive commissions or fees from the sale of products.
Holistic approach to financial planning. We will integrate all the financial areas in your life into a comprehensive financial plan.
We consider financial planning as a process rather than a one-time event, our open retainer program allows you to call us or come see us at any time during the year at no extra cost. This is in addition to regularly scheduled appointments.
We take a Coach Approach in helping our clients identify and attain their goals.
The Financial Independence Program during the first year includes 6 meetings.
General financial counsel and advice
Goals, priorities, financial vision
Discuss five fundamentals of fiscal fitness
Identify where you are in the financial life cycle
Calculate net worth
Cash flow analysis
Develop a spending plan based on financial priorities and values
Organization of financial records
Debt management and leverage
Tax Planning and tax reduction strategies
IRS audit protection
Risk management / Insurance review / Asset protection
Real estate and mortgage analysis
Review employee benefits
Portfolio analysis/ Develop functional asset allocation model
Complete investment policy statement
Investment recommendations and selection
Open account with discount broker
Financial independence planning (Retirement Planning)
Estate planning and review of beneficiary designations
Review available and existing pension plans
Set up pension programs ( IRA, Roth IRA, Simple IRA, SEP, MPP)
Explore and discover new possibilities
The Financial Independence Program during the second year includes 4 meetings.
Review and update financial planning as appropriate
Monitor investments & review results
Ongoing Investment recommendations
Tax preparation/Tax planning and Tax reduction strategies
Available 7/24 for your financial questions, needs and concerns
Results and benefits you will receive from our advice
Peace of mind
Having a plan, a road map for the future
Knowing you are on course and doing the right things
Finances on track & in line with your expectations and values
Plan in place to reach financial independence
Eliminate concerns about money and finances
Education about your financial future
An advisor you can trust, someone to discuss the financial issues facing your family
Unbiased advice from fee-only planning
Our open retainer allows you to talk with us when you need our advice!