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Financial Independence Program


"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 preparation 
    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
    Education planning
    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!

"Destiny is not a matter of chance, it is a matter of choice. It is not a thing to be waited for; it is a thing to-be achieved." -W.J. Bryant

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