Our mission is to get to know and understand your needs, wants, and long-term goals. We will help you develop, implement, and monitor a strategy that’s designed to address your individual situation. Our team offers different engagement models that meet your needs depending on what you're looking for.

Our fee-based planning model puts you and your goals at the center of the engagement.

We charge a flat fee where you can hire our team as the "CFO" of your life. We'll create an unbiased blueprint giving you guidance on how to coordinate everything in your life with a dollar sign attached to it. What we're solving for is how to create the most efficient path towards accomplishing your short term and long term goals.

Our fee will vary on the complexity of your situation, and the scope of overall work. On our first meeting together, we will assess your situation and quote you a concrete fee. Our annual fee serves as a retainer model, where you have full access to our team at all times. 

Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

Once we have a clear vision of your financial situation and overall goals, we can design a coordinated plan around how to properly structure your investments. We'll dicscuss your investment sentiments, attitudes towards risk, time horizon for certain assets, and more to construct a well-rounded portfolio of diversified investments to reach your goals.

Investment tools available to aid your planning:

• Brokerage accounts
• Individual Stocks, Bonds, & CD's
• Mutual Funds/ETF's
• 529 Plans
• IRA's, Roth IRA's, SEP IRA's, other retirement plans
• Variable Annuities
• Alternative Investments

For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long term care. Long term care (LTC) services can be expensive and costs generally continue to rise. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.Sound Defensive planning is the foundation of any stable financial house. We'll help you build a strong foundation through protecting yourself and your family from financial burden of any unexpected events. With our team of experienced insurance specialists, we can create strategic portfolio of solutions together to make your financial plan as resilient as possible. We do offer insurance consultations as a stand alone service as well, so if you'd like to explore solely putting together insurance options to see what your best options are, we can consult with you outside of our fee based planning engagement.

Life Insurance

Life insurance can be used to protect your family/loved ones in the event of unexpected death. While there is no way to ease any emotional burden for a family, we can at least seek to relieve any financial burdens. Life insurance can also be used as a supplemental asset for long-term planning, asset protection, and a retirement tool.

Different types of life insurance:

• Term Life Insurance
• Whole Life Insurance
• Variable Universal Life
• Children's policies as a long-term savings strategy
• Buy-Sell Agreements for businesses
• Executive Comp/Bonus Plans for businesses

Disability Insurance

Your most valuable asset over the rest of your working life is your ability to create income. If you are unable to work for an extended period of time, having a plan in place to replace your income is vital to having a stable financial plan. Disability insurance can help you to fill the gap of lost income in the event of an unexpected disability, sickness, or anything else that may put you out of work.

Different types of Disability insurances:

• Individual long-term Disability income insurance
  
• Disability insurance for business owners
• Overhead expense insurance for businesses
• Buy-Sell Agreements for businesses
• Group Disability plans for business/groups