Broker Check


Why use an advisor?

You may be deliberating whether to hire an advisor or to continue managing your own financial affairs. There are three things required to successfully manage your own financial affairs – time, interest and knowledge. If you have all three, you should continue to manage your own affairs. We do this full-time, we have a passion for what we do, and we have the education, experience and credentials necessary to do it well. Most of us seek a qualified professional to help with our physical health. Why should our financial health be any different?

The following questions may help you determine whether you would benefit from working with a financial advisor:

  • Are you devoting sufficient time to managing your financial affairs?
  • Do you enjoy the time you spend on financial matters or would you rather spend this time in other areas of your life that are important to you?
  • Would you experience more peace-of-mind knowing you have partnered with a professional to help with your financial planning and investment management?
  • Are your current investments well-thought-out components of a coordinated, diversified portfolio or is your current portfolio comprised of a hodge-podge of investments that you accumulated over time?
  • Is your investment portfolio appropriate for your risk tolerance, time horizon and income requirements?
  • Is your investment portfolio positioned for the current market environment?
  • Are you aware of all the investment products available to you and their associated risks?
  • Is your investment strategy tax-efficient?
  • Is your investing coordinated with your education funding, retirement planning and estate planning?
  • Do you know where your next savings dollar should be directed (401k, deferred comp, employee stock purchase plan, Roth IRA, 529 plan, debt reduction)?
  • Will your assets be sufficient to fund your desired lifestyle in retirement? Have all of your life's goals such as a second career, hobbies, travel plans, vacation homes, and bequests been analyzed and included in your analysis?
  • Are you taking advantage of all retirement savings options available and have you considered all applicable financial planning issues such as college savings plans, long-term care funding, living wills, etc.?
  • Do you know how your assets will be distributed when you die? Is your life insurance adequate and of the appropriate type? Are you best providing for survivors in the case of your death?
  • Are you positioned to minimize income taxes, gift tax, estate taxes and probate?

Utilizing our Investment Advisory services can bring you financial peace-of-mind. By allowing us to design an individualized roadmap toward achieving your life's goals, you can relax and focus on the more important things in your life.

We provide comprehensive Advisory services, integrating financial planning and investment management, to a limited number of qualified individuals. We help our clients accumulate, grow, protect, enjoy and transfer their wealth, allowing them to focus on other things in life such as family, friends, career, physical health, spirituality and the enjoyment of life. Our goal is for our clients to experience confidence, knowing they have partnered with qualified professionals to help them with life's financial decisions and ongoing investment management.

As our clients' trusted financial guide, we help them navigate their life journeys by being their first contact whenever they confront life's financial decisions.

We offer a no-obligation, complementary consultation to assess the fit between your needs and our services. We invite you to learn more about our firm by exploring our website or by contacting us.

What is comprehensive financial planning?

Comprehensive financial planning recognizes the need to consider all areas of a client's financial situation before developing a plan to reach his/her personal financial goals. If we focus on only one or two elements, other areas which may be overlooked may undo all of our planning efforts.

Is financial planning only for the wealthy?

No. You don't need to be a millionaire to benefit from financial planning. Anyone who cares about his/her financial well being, or seeks to improve his/her ability to meet their financial objectives can benefit from financial planning.

What are your financial planning credential/ designations?

  • (Requires 30 hours of continuing education every 2 years)
  • Financial Planning Association (FPA)

Do you provide portfolio management services?

Yes. Portfolio management is the main component of our firm.

Do you take custody (control) of investment assets?

No. All accounts and assets are held in your name with an independent financial custodian.

Will you work with my other advisors?

Yes. If you are currently working with other advisors—accountants, attorneys, or insurance agents— we will be happy to coordinate efforts with them to provide you with fully integrated service and advice.