Our Firm

Your values, financial goals based on those values, and the strategy we put in place together to achieve those goals are the focus of my practice. In my 20 years of experience in the financial services industry, many of my clients ask the following questions in talking about their values and financial goals: § How will I pay for my children’s education? § How can I have the lifestyle I dream of? § How can I help insure my children’s future after I am gone? § Is it really possible for us to see the world? § Where do I begin? Just by asking these questions you have taken a significant first step toward a better financial future. The next step is for us - you and me - to sit down together and determine the ways to answer them. The first question that I'll ask you is, What’s important about money to you? Typically, people answer this question based on their values. Their answers focus on their desires for freedom, independence, and more time with their families. Ultimately, people want an integrated, comprehensive financial plan that will help them reach and maintain their long-term financial goals which will benefit them and their families. In this way, the financial planning process begins. Steps to Financial Planning: 1. Discovery - In this phase, we determine your overall financial goals and objectives. We emphasize your answers to the question, 'What’s important about money to you?’. 2. Profile – In this phase, we collect the financial and non-financial facts regarding your circumstances that help us develop a personalized strategy. 3. Strategy – In this phase, the presentation of the overall Financial Plan, with emphasis on options available regarding overall goals and objectives. 4. Implementation – In this phase, we purchase various investment and insurance products to help you reach and maintain your retirement and educational funding objectives as well as provide protection for your family in the event of your untimely death or disability. 5. Review – Every quarter we'll go over all the performance of your investment accounts. Every January or February we'll meet so you can bring me up to date about any substantial changes in your life that may necessitate adjustments to your insurance and investment portfolio. My compensation is based on the following: 1. My preferred method of compensation is fee-based, not commission-based, which is based on the sale of investment products. A fee-based structure is flexible and depends on services provided and the complexity of the plan. This performance-based fee structure means that my compensation is based on the growth of your assets. It also limits any potential conflict of interest inherent in the commission-based system. Our goal is to protect and grow your assets and build a long-term relationship of trust with you. 2. Financial planning fees range from $450 to $2,000 annually; the fee depends on your income and net worth. 3. During the implementation phase, if your initial investment is less than $200,000, a commission may be assessed. All commission and fee-based compensation is clearly disclosed up front. The personal and business planning services available include: § Personal Financial Planning § Retirement Planning § Estate Planning § Educational Funding Planning § Investment/Insurance Services Investment Services Brokerage Asset Management Accounts Individually Managed Accounts § Business Services Disability Planning Voluntary Benefits 401(k) and other type retirement plans Employee Benefit Plans, such as group health, life and disability plans