Our business model relies on combining the following services to our clients:

Comprehensive financial advice.

Our advice and recommended strategies integrate all aspects of a client’s personal finances including:

• Financial planning
• Retirement planning
• Tax planning
• Investment planning
• Real estate analysis
• Risk management
• Estate planning

Total access on any arising financial issue.

This means that a client has nearly unlimited access to us during the retainer period.  For example, we do not charge extra in the years that a client experiences a significant life event such as retirement or divorce.

No hourly charges during the retainer period.

We charge a retainer fee; one fee covers all our planning and recommendations.  We encourage our clients to consult with us before they make any financial decision.

Surviving spouse extended benefit.

In the event of the death of one of our clients, the surviving spou8se and/or family members can turn to for guidance thru the estate settlement process and to continue with the family’s financial planning.

No product sales.

We do not receive any compensation from the sale of any products we may recommend, therefore eliminating a prime source of biased advice.  We want to minimizes potential conflicts of interest.

Full disclosure of fees.

We get paid directly by our clients; nothing is hidden so clients know at all times what our fees are.

Independent advisory firm.

We are not associated with any product manufacturers nor are we tied to any one product or solution.  This freedom lets us recommend the products and services we feel are in the best interest of our clients.

Personalize all advice.

We listen to each one of our clients.  They are all different; therefore, our recommendations tend to be tailored to each client.