Independent. Fee-only. Fiduciary. Always.
Independent: We work for you, not a brokerage firm or insurance company.
Fee-only: We’re paid only for our advice, never for selling investments, insurance or annuities.
Fiduciary: We’re legally required to act in your best interest, at all times.
True wealth is freedom.
The freedom to spend your time with the people and activities you love, knowing your family has a trusted team today and long after you’re gone.
Life keeps changing. Your plan should evolve with it. Retiring, welcoming grandchildren, selling a business or a home, losing a spouse, passing wealth to the next generation: we’re with you through every chapter. Our steady guidance helps keep your plan in step with the life you want to live.
Retirement is for living. Let us handle the rest.
Your wealth should give you freedom, not more to keep track of. We coordinate your taxes, investments, and estate plan, and prepare for life’s what-ifs, so you can enjoy what you’ve built and know your family is cared for. Less time watching the markets means more time making memories.
Smarter taxes, for you and your heirs.
Tax planning isn’t a once-a-year event. It’s part of every decision we make. We look for opportunities like Roth conversions in lower-tax years, special tax treatment for company stock in your 401(k), giving to charity directly from your IRA, and passing wealth to heirs in tax-smart ways.
Tax planning and preparation are included, and the accounting firm we partner with prepares your return.
Making the most of your benefits.
Social Security, pensions, stock options, and restricted stock all involve big decisions with lasting tax consequences. We help you choose when to claim, how to take your pension, and when to exercise or sell company stock, all coordinated with your tax and estate plan so nothing is left on the table.
Investing with your whole family in mind.
We manage your taxable accounts, IRAs, and trusts as one coordinated portfolio built on evidence, not predictions: broadly diversified, low-cost, and tax-efficient.
We monitor it continuously, rebalance with discipline, harvest losses, and help you decide which assets to spend, give away, or leave to heirs.
Protecting what you’ve built.
We don’t sell insurance, so our advice stays objective. Working with the independent insurance consultants we partner with, we review your coverage as your wealth and life change, including Medicare, long-term care, life insurance that fits your estate plan, and umbrella and property coverage for your homes and assets.
A legacy that reflects your wishes.
Your estate plan should keep up with your life, whether you’ve remarried and have a blended family, have lost a spouse, or want to help children and grandchildren now rather than later. We help you decide how and when to pass on what you’ve built, make sure your accounts and beneficiaries match your plan, and coordinate with your estate attorney, or one we trust, on wills, trusts, and other documents.
Preparing the next generation.
Wealth lasts longer when the next generation is ready for it. That’s why we offer free financial coaching for our clients’ adult children and grandchildren until they marry or turn 25, whichever comes first. It covers budgeting, saving, and investing, plus basic documents like powers of attorney. When the time comes, your family will already know and trust the team that knows your plan.
Members of Ed Slott’s Master Elite IRA Advisor Group are part of an exclusive organization dedicated to mastering the complexities of retirement planning. To maintain membership, advisors must:
- Attend extensive ongoing training and mandatory semi-annual workshops.
- Pass two rigorous exams each year to prove their technical proficiency.
- Regular background checks to ensure the highest level of integrity.
Members receive immediate alerts regarding tax code changes and have a direct line to America’s IRA Experts for technical support on complex planning scenarios.