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How We Help Our Clients Make
Smart Financial Decisions

What We Do

Tax-Free Retirement

We believe our country’s fiscal challenges will result in higher tax rates in retirement. Our clients learn how to save properly, and to shift current assets to position themselves to reduce or eliminate taxes in retirement.
Financial
Planning

Our financial plans address the “what-if’s” that may occur in your retirement, and to meet your unique goals and needs at each phase of your life. Financial planning is the cornerstone of our client relationships.
Investment Management

We know you have many investment choices. But how do you find the strategy that best meets your risk tolerance, goals and needs, at the lowest possible cost? Discover our risk-managed models.
Insurance
Services

Whether you are starting a family, building wealth and income, or considering the possible need for long-term care in your future, our independence ensures you have options to protect your loved ones and yourself.


Our Wealth Management Fees

Wealth Management services include Financial Planning, Investment Management, Retirement Income Planning, Estate Planning, Long-Term Care Planning, and much more. Our highest fee, based on assets we directly manage, is less the industry standard 1%.

$1 Million - $2 Million
0.8%
$2 Million - $3 million
0.7%
$3 Million - $4 million
0.5%
$4 Million - $10 million
0.4%
More than $10 Million0.3%


Insurance-based assets (life insurance, annuities, long-term care, etc.) are not subject to our Wealth Management asset-based fees, but the amount invested in those assets is used to determine your fee bracket. Example: You have a $300,000 fixed index annuity and $1.8 Million in assets we directly manage in one or more of our risk-managed models. You will qualify for the 0.7% fee level on the $2.1 Million in total assets, but we do not charge a Wealth Management fee on the $300,000 balance in the annuity. Insurance-based investments may provide commission-based compensation for the agent(s) and/or firm.

We also offer an Investment Management-only fee, which is a flat 0.4% of assets we directly manage, and comes with no financial planning services. This service is offered as an alternative to Robo Advisors (e.g. Betterment, Wealthfront, Vanguard, Sofi, and other asset managers) for investors who wish to invest with an experienced local fiduciary investment advisory team with annual reviews.