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 clients are preparing for retirement and understand that real wealth isn’t just money — it’s freedom.
The freedom to spend time with the people they love and pursue the activities that matter most.
They prefer to delegate the day-to-day complexity of their financial lives to a trusted team, so they can focus on living — with confidence that their family will be cared for long after they’re gone.
helping you navigate life's stages
Life doesn’t stand still — and neither do your goals.
As your life evolves, we’re here to help you navigate the milestones and transitions that shape your future.
From growing families and college decisions to retirement and the difficult moments that come with loss, we provide thoughtful guidance through every stage — helping ensure your plan continues to support the life you want to live.
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.
Your investments are then managed in a way that aligns with your goals, your timeline, and your comfort with risk — supporting the life you want to live, not distracting from it.
integrated tax planning
Every financial decision has tax consequences — either today or down the road.
We start with a careful review of your tax returns to uncover opportunities to reduce taxes and strengthen your overall plan. Through our trusted professional alliances, we help coordinate proactive, year-round tax planning, preparation, and filing.
social security optimization
We help you evaluate your Social Security and pension options to determine the most advantageous claiming strategy.
The right decisions can significantly enhance your lifetime income — while poor choices can leave hundreds of thousands of dollars on the table, especially for a surviving spouse.
medicare and health insurance consulting
We provide a detailed review of your existing coverage, taking into account your health, medications, and lifestyle.
Because we don’t sell insurance, our recommendations are free from conflicts of interest.
Whether your coverage comes from an employer plan, the Affordable Care Act marketplace, a private policy, or Medicare, we help you understand and evaluate your options so you can make confident, informed decisions.
investment management
We believe in evidence-based investing — disciplined diversification, low costs, and thoughtful tax efficiency.
We continuously monitor and coordinate your portfolio for proper asset allocation, rebalancing, and tax-loss harvesting opportunities.
insurance planning
We don’t sell insurance — but we do help you evaluate your existing life, disability, health, long-term care, and property & casualty coverage.
We provide objective recommendations and coordinate with independent insurance professionals when appropriate.
estate planning
Life changes — and your estate plan should keep up.
Whether you have a blended family, need powers of attorney, find yourself suddenly single, or are considering updating a will or creating a trust, these decisions matter.
We coordinate with trusted estate planning professionals to help you create or update a plan that reflects your wishes and supports the people you care about.
multi-generational planning
We believe the next generation should start on the right foot.
That’s why we offer complimentary financial coaching — along with guidance on basic documents like powers of attorney — for our clients’ adult children and grandchildren until they marry 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.