No. While investment management is an important part of what we do, our approach extends beyond managing portfolios. We provide comprehensive wealth planning that may include retirement planning, cash flow strategies, tax-efficient planning, risk management, estate considerations, and helping you make informed decisions as your financial life evolves.

We are primarily fee-based advisors, with most clients utilizing advisory accounts.  This structure aligns our success with our clients’ long-term success.  We believe in complete transparency, so all fees are clearly explained before moving forward. We also offer traditional brokerage accounts when an advisory relationship is not the most appropriate fit for a client’s needs.

*Independent money management is not appropriate for all investors. Advisory programs are not designed for excessively traded or inactive accounts and are not appropriate for all investors.

Our process begins with an initial conversation focused on getting to know you, your goals, and priorities. It’s also an opportunity to learn about our planning philosophy and determine whether we’re the right fit for you. If you choose to move forward, we’ll analyze your financial information, develop a personalized strategy, and help implement the recommendations. We provide ongoing guidance, making adjustments as your life, goals, financial situation, and market conditions evolve.

Yes.  We primarily serve clients through advisory relationships, and in those relationships, we act as fiduciaries. This means we are committed to acting in our clients’ best interests, providing transparent advice, and making recommendations based on each clients’ goals, circumstances and needs.

Yes, when appropriate, we collaborate with your CPA, estate attorney, and other trusted advisors to help ensure your financial strategies are coordinated and aligned with your overall goals.