independent - fee-only - fiduciaries
Being independent means we work directly for our clients, not a brokerage firm or insurance company.
Being fee-only means we only get paid for financial advice, not for selling financial products.
Being fiduciaries means we are legally required to always act in your best interests.
who we serve best
Our typical client is planning for retirement and understands that true wealth is freedom - especially the freedom to spend time with the people and activities they love.
They prefer to delegate the day-to-day complexity of their finances to a trusted team of professionals, with the confidence that their family and loved ones will be taken care of long after they’re gone.
helping you navigate life's stages
Life doesn’t stand still—and neither do your goals or needs. As your life evolves, we’re here to help you navigate each milestone and transition along the way.
From marriage and growing families to college planning, retirement, and the difficult moments that come with loss, we provide guidance and support through every stage of life.
retirement planning
Retirement planning is at the heart of what we do. We help you understand how much you can comfortably spend in retirement—so you can enjoy life with confidence, without the fear of running out of money. We also manage your investments in a way that aligns with your goals, timeline, and comfort level.
integrated tax planning
Every financial decision has tax consequences—either today or down the road.
We begin with a careful review of your tax returns to identify opportunities to reduce taxes and improve your overall plan. Through our trusted professional alliances, we can coordinate year-round tax planning, preparation, and filing.
social security optimization
We analyze your options to determine the most advantageous claiming strategy. Poor choices can leave hundreds of thousands of dollars on the table which can negatively impact you and especially your spouse.
medicare and health insurance consulting
We will provide a detailed analysis of your existing coverage, taking into consideration your health, medications, and lifestyle. Since we selling insurance, we can give recommendations without conflicts of interest.
Whether your coverage is from your employer, an Affordable Care Act plan, a private plan, or Medicare, we can help you understand and evaluate your options, so you can make better decisions.
investment management
We believe in evidence-based, disciplined diversification, keeping costs low, and being smart about taxes.
We provide coordinated and continuous monitoring of your portfolios, including your 401ks, for asset allocation, rebalancing, and tax-loss harvesting opportunities.
insurance planning
We don't sell insurance but we can help evaluate your existing life, disability, health, long-term care, and property & casualty coverages and make recommendations and coordinate with independent insurance agents.
estate planning
Do you have a blended family? Do you need a power of attorney for financial or healthcare matters? What if you find yourself suddenly single? Do you need an updated will? Should you consider a trust? Do you need someone to manage your trust?
We can bring in estate planning firms to consult with you and create or update your plans.
multi-generational planning
We want to make sure that the next generation gets started on the right foot. We provide free financial coaching and powers of attorney for our client's adult children and grandchildren until they get married or turn 25, whichever comes first.
Members of Ed Slott's Elite IRA Advisor Group train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors pass regular background checks, complete requisite training, attend semi-annual workshops, webinars, and complete mandatory exams.
They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees.
Additionally, members have access to us, America’s IRA Experts to answer any tough questions or planning needs.