It all starts with a complimentary discovery meeting.  We want to better understand your financial values, goals, and where you are today. Rest assured, we’ll be leaving the past where it belongs, with no judgment, and focusing on what we can do now.

We’ll help you make smart choices with your money. Most families are so busy with their lives, they really don’t have time to carefully consider all aspects of how their finances fit together, much less keep them updated through life’s changes. We’ll help you develop a clear road map to achieve your most important goals, and we’ll keep it in-line with your true financial values.

Comprehensive Financial Plan

This is a service level for those who prefer to start with a financial plan first before the Ongoing Wealth Management Service or would like to handle implementation on their own.

A financial plan is designed to help the client with all aspects of financial planning. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations.

Detailed investment advice and specific recommendations may be provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client.

Financial plans are priced according to the degree of complexity associated with the client’s situation and scope of work.

Ongoing Wealth Management Services

We create and implement a broad-reaching comprehensive financial life plan to help you reach your most important goals. This plan is regularly monitored and updated to reflect changes in your goals, resources, or laws that may affect your plan.

We prefer to start with a plan first. It’s the best way to make strategic, informed decisions.  We’ll then meet twice a year to review the plan so we can check in with your goals and incorporate new information and laws.

While a financial plan forms the basis of making smart choices with your money, the plan is worthless without implementation of the recommendations.  Our clients are busy people and delegate the important work of helping to implement the plan to us.  We are here to implement what we can with your approval, work with your outside advisors if appropriate, work with outside advisors we might recommend, or gently nudge you to action.  All this is under the careful guidance of your Certified Financial Planner.

Retirement Plan/401k Services for the Business Owners

We offer 401(k) management services for businesses that are seeking a partner to help them fulfill their fiduciary responsibilities. For these businesses, we can help them create investment policy statements and provide ongoing investment selection and monitoring. In addition, we ensure that retirement plans are in alignment with ERISA requirements by consistently performing compliance reviews. Financial consequences to a business that accompany loss or risks to a retirement plan can be overwhelming—we’re here for you to help absorb the fiduciary risk involved and to help make plan management simple.

Second Opinion Service

Our complimentary second opinion offer is available for potential clients that would like to benefit from one of three outcomes: a confirmation that your existing investments and financial plan are on target with your current advisor; the offer to become a wealth management client of ours; or we’ll offer suggestions to improve your current trajectory towards your financial goals. Since we only limit our services to a select few households that we can make a significant impact on, it is important that we only onboard households that have the financial complexity to warrant our comprehensive approach.
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