Our Services
COMPREHENSIVE FINANCIAL PLANNING
As CERTIFIED FINANCIAL PLANNER™ professionals with decades of experience, we partner with clients to prioritize their goals, understand their values and evaluate their resources. We then work together to create a plan that will help them to be successful.
Our areas of expertise include:
- Investment management
- Cash flow management
- Tax management
- Retirement planning
- Estate planning
- Insurance planning
- Education planning
We encourage our clients to remember that a financial plan is only a starting point. The plan is a work in progress and must be flexible to allow for life’s unexpected challenges.
FINANCIAL GOAL PLAN
Financial success begins with a solid foundation. We lay the groundwork by defining the client’s goals and values and learning how he or she defines “success.” We follow up by objectively analyzing the client's current situation, providing prudent recommendations and helping the client implement changes.
Our process includes a printed Financial Goal Plan that clients use as a guide to help them stay focused and on track. Clients may choose to have us monitor their progress and make adjustments along the way, or they can check in with us at whatever intervals they choose. Either way, we are happy to offer guidance whenever emotion threatens to push clients into poor decisions.
FEE-ONLY INVESTMENT MANAGEMENT
We take time to learn about how each client thinks about money. What do they want their money to do for them? What is their time horizon? What is their investing personality? Are spouses of like mind? Once we have a good understanding of a client's mindset, we customize a portfolio based on what is best for that person’s needs. We use an appropriate and prudent mix of exchange-traded funds (ETFs), no-load mutual funds, CDs, bonds, etc., to create well-diversified portfolios suited to their goals and risk tolerance. We also are very mindful of clients’ expenses and try to keep costs down as much as possible.