I know it sounds cliché, but we are different from almost all financial advisors. Areas that make us unique:
- We get to know our clients. Our true “job” is to help clients determine what is really important. We then guide them on a path to achieve their most important goals in line with their true values.
- Expertise as a Certified Financial Transitionist ® (CeFT®) with roughly 100 hours of preparation. CeFT®’s are part of an elite community of about 150 advisors willing to make a clear commitment to excellence and continuous learning in the area of Financial Transitions Planning.
- We practice true comprehensive planning/wealth management. Most firms give this lip service as a way to sell products.
- We have taken a fiduciary oath. We are required to work in your best interests. Because we aren’t selling products, we are able to sit on the same side of the table with our clients.
- We are a Fee Only firm – You will know exactly what our services will cost. You will never wonder why we are recommending a product or service. The only reason will be because we think it will be in your best interest.
In addition, our firm is a Registered Investment Advisor (RIA); as such, we must comply with a host of regulations designed to protect the consumer.
It is critical to think long term to put a plan together that makes sense to you and to ensure you are doing the right things to achieve your most important financial goal in line with your values. This is how we help. You might be worried about when you can retire? Are you on track to retire? Can I help my children? I have been saving all my life and now how do I live off my investments without running out? Our ongoing wealth management services helps in the following areas:
- Financial planning for your most important goals including retirement, college, etc.
- Financial Transition training to help clients through major life events like losing a spouse, receiving an inheritance, retirement, career changes, or divorce.
- Career Coaching for job changes including the transition to retirement.
- Ongoing attention from a Certified Financial Planner™ who looks after the details of your plan.
- Proactive assistance with the paperwork, deadlines and administration necessary to keep your plan on track
- Updated plans that reflect substantial changes in your life or your financial situation
- Professional management and guidance of all your investment accounts, even your 401k, 403b and 529 plan
- Institutional-grade investments from leading fund families including Dimensional Fund Advisors (DFA Funds) www.dfaus.com
- Cash Flow planning to determine savings programs and for enjoying retirement with a well thought out plan for spending.
- Tax Planning to reduce the impact of taxes and the creation of an annual tax packet to give to your tax preparer.
- Liability and Debt Planning to achieve goals for debt payoffs and put a plan in place that makes sense.
- Client Aging Planning to carry out your wishes for aging gracefully and for end of life.
- Client Loss Process to help a spouse make sure they are ok financially and guide them through the grieving process.
- Insurance Planning Yearly update of insurance needs, including assistance with “shopping” for coverage. Ultimately the “right” coverage for the premium dollars.
- Business Planning to review both personal and business to make sure you are taking advantage of all the opportunities.
- Estate Planning to identify your wishes for your family and then work with the attorney so the proper plan is in place and implemented.
- Gifting Strategies to transferring wealth to your heirs and/or fulfilling charitable goals.
The simple answer is yes. Our qualifications:
- Certified Financial Transitionist® (CeFT®) – A Certified Financial Transitionist® is a professional who recognizes the importance and the power of the personal side of money and the unique challenges of transitions. CeFT®’s have a rich and comprehensive understanding of how people subjectively experience change, and are able to co-create their highest outcomes with them.
- Certified Financial Planner (CFP®) Designation – Most people think all financial planners are “certified,” but this isn’t true. Anyone can use the title “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification trademarks which represent a high level of competency, ethics and professionalism. And because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest.
- NAPFA Registered Financial Advisor Membership – National Association Personal Financial Advisors (NAPFA), the country’s leading professional association of Fee-Only financial planners.
- An independent firm that isn’t compensated by selling you products.
- Developed processes to help clients through the aging process and for life’s major transitions like death, disability, retirement, job loss, career change, etc.
- Zero discipline incidents.
- Started in the profession in 1999 and experienced in helping people just like you.