Our Financial Planning Approach

Our comprehensive planning process is designed to provide clarity and direction, addressing the key questions you may have about your financial life, such as:

• How can I better manage my money day-to-day? (Cash Flow, Budgeting, Debt)

• How do I save effectively for my goals? (Savings Strategies, Goal Setting)

• How should I invest for the future? (Risk Tolerance, Asset Allocation, Tax Efficiency)

• Am I on track for a secure retirement? (Retirement Projections, Savings Plans, Income Strategies)

• How do I protect myself and my family financially? (Insurance Review: Life, Disability, Health, Property)

• Can I reduce my tax burden? (Tax Planning Strategies)

• How can we afford education costs? (Education Savings Planning)

• How do I ensure my legacy is protected? (Estate Planning Basics)

• Am I maximizing my employee benefits? (Benefits Review)

• How do I handle the financial side of big life changes? (Planning for Job Changes, Home Buying, Family Growth, Relocation)

• How can I give charitably in a way that's both impactful and tax-smart? (Charitable Giving Strategies)

• As a business owner, how do I integrate my business planning with my personal financial goals? (Business Succession, Owner Retirement Planning, Cash Flow Management)

• What's the best way to plan for potential long-term care costs in the future? (Long-Term Care Planning & Funding Strategies)

For clients seeking dedicated portfolio oversight, we offer optional discretionary investment management services. In this capacity, we manage investments on your behalf according to the agreed-upon strategy outlined in your financial plan. Your assets are always held securely in your name at an independent, qualified third-party custodian for your protection.

Our primary investment strategy employs passive, buy-and-hold principles. We collaborate with each client to establish a strategic asset allocation intended for long-term adherence across diverse market environments. We believe clients are best served by this disciplined investment approach, which seeks to capture market returns while diligently controlling portfolio turnover, investment costs, and tax implications.

We believe in straightforward and transparent compensation. Our financial planning services are billed at $300 per hour. Following an initial consultation, we can give you an idea about how many hours building out your initial plan might take. Clients receive detailed quarterly invoices outlining the specific work performed during that period. Payment is made directly to our firm via check.

As a core part of our commitment to transparency, we bill you directly and do not automatically deduct fees from any investment accounts.

Importantly, we operate as a fee-only firm. This means our sole compensation comes directly from our clients for the advice and services provided. We do not receive commissions, referral fees, or any other payments tied to the products or strategies we recommend. This structure ensures our advice is objective and always aligned with your best interests.