What Makes Us Different?

FEE-ONLY COMPENSATION

We are Fee-Only advisors. We do not receive commissions from any of the services we provide our clients. The only compensation we receive comes directly from the client.

OUR FIDUCIARY OATH

All of our advisors shall: Always act in good faith and with candor, be proactive in disclosing any conflicts of interest that may impact a client, and not accept any referral fees or compensation that is contingent upon the purchase or sale of a financial or insurance product.

HOLISTIC APPROACH TO FINANCIAL PLANNING

Our philosophy is to provide a holistic financial planning approach to the financial planning process. Holistic financial planning is the process of pursuing your life goals through the proper management of your resources. Life goals can include buying a home, saving for your child’s education, planning for retirement, or leaving a legacy. Holistic financial planning provides direction and meaning to your life. It allows you to understand how a financial decision you make affects other areas of your life. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

FLAT FEE FINANCIAL PLANNING AND INVESTMENT MANAGEMENT SERVICES

The vast majority of financial advisors charge asset-based fees. This is a fee charged based on a percentage of assets under management by the advisor, fees are typically 1.0% to 2.0% per year; with a sliding scale used for assets in excess of $1 million. Asset-based fees contain a built-in escalator clause which grows the compensation to the advisor as assets are added to your portfolios and as your investments increase in value. Multiple conflicts of interest exist with asset-based fees. We do not charge asset-based fees, our firm charges a flat annual advisory fee. This eliminates conflicts of interest in the financial planning and investment management process and is totally transparent to the client.

CONSIDERATION OF TAXES

Most financial advisors are not qualified or are prohibited from providing tax advice. Yet, taxes are the single biggest expense most people have, and these taxes have a dramatic effect on investment and retirement portfolios, and long-term projections. Failing to plan for taxes in the context of retirement and investment planning does not give clients an adequate picture of their current and future financial situations.

YOUR PERSONAL FINANCIAL DASHBOARD

Our services include a very sophisticated web-based personal financial dashboard. This system provides us a platform for securely sharing data (The Vault), and provides you a single place to go where you can see your whole financial picture. It supports “live” links to your bank accounts, credit union accounts, credit cards, mortgage, investment and retirement accounts, insurance etc. – all aggregated securely in one place. There are cash-flow and budgeting tools and the ability to have alerts set to remind you when various events take place.

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