HOW WE ARE DIFFERENT
We're Committed To Serve As Your FIDUCIARY
As a registered investment advisor, we are obligated by law to serve as your fiduciary. This means we are required to place your interests first – even ahead of our own. This differs from the broker/dealer model where, as long as a product is considered “suitable,” your broker/dealer is free to recommend the more costly option when the incentives (read: compensation) to them is greater.
We Take A Holistic Client-Centric Approach
If you were launching a business, you wouldn't develop a budget for your business in isolation. You'd consider the vision for the business, the direction you wanted to take it, the resources you had available -- and more. Similarly, when we meet with you, we take the time to get to know you, to hear your concerns and goals. As we learn more about you, we look at each piece of the puzzle, considering how it all fits together within the larger picture. Our goal is to help you achieve greater overall financial well-being.
Carl Richards BehaviorGap.com illustrations used with permission.
We Provide Transparent, FEE ONLY Advice
We provide Fee Only financial planning. This means we accept no (zero) commissions, fees or any other form of compensation from outside sources. You pay us to deliver sound, independent advice.
We Use Decades of Nobel Prize-Winning Research As Our Guide
We don’t chase trends or fads. We don’t swing for the quick tactical kill. Our solutions may not be all that complicated -- but they're effective. We weigh the evidence, seek smart, solid solutions, and maintain a long term perspective. Our approach is based on decades of Nobel Prize-Winning Academic Research known as Modern Portfolio Theory.
We've Walked This Path Ourselves
We've been in your shoes. We understand the potentially overwhelming array of choices, the sheer amount of noise out there, the value of clear, straightforward communication -- and the trust you place in us.
We help you evaluate your choices objectively and put your personalized plan to work. Planning is a process and we strive to keep you informed. We know that by increasing your understanding, you'll be able to make better decisions and will feel more in control of your life.