We say that we are a financial planning and investment management firm; but what does that mean?

Investment Management services is just what is sounds like: We manage your investments. We get together with you and determine why you are saving the money, design an asset allocation model to accomplish that investment goal, and then take control of the day-to-day decisions in your portfolio. Most people know they need to “do something” with their investments but lack the time, temperament, or knowledge in how to do it. We provide that for you.

Financial Planning is actually an ongoing process you use to make sensible decisions about your money. In the simplest context it involves first determining out where you are in life and where you are trying to go. From there the Financial Plan figures out what money-related things you need to do to get from where you are to where you want to go.

You can find out more in our section on Financial Planning section.

Hourly Advice can also be provided. You might just need some help with an investment decision, want someone to look over your 1040 for possible ways to reduce taxes, find out whether a Roth or Traditional IRA or 401(k) is best for you, have questions concerning your life, disability, or other insurance needs. For these and the myriad of other money and personal finance questions people have we can provide advice to you on an hourly basis if you don’t yet want us to prepare a formal plan or manage your investments.

We offer advice and services for the following:

  • 401(k) retirement plans and Individual Retirement Accounts
  • 529 qualified tuition plans
  • Annuities
  • Mutual funds
  • Certificates of Deposit
  • U.S.Treasuries Securities
  • Group retirement and savings plans
  • Simplified Employee Pension Plans
  • Qualified Retirement Plans
  • Other retirement savings plans designed specifically for employee groups
  • Life insurance
  • Long-term care, disability and critical illness
  • Health Insurance Group health benefits
  • Budget counseling
  • Financial plans
  • Estate planning

Investment Management

Investing begins with goals…your life goals. Whether planned or not, there are things you are trying to accomplish in life. Some of these life goals involve money and therefore have underlying financial goals. And some of these financial goals involve investing and result in investing goals. Our...

Retirement Planning

Too many people are leaving their retirement planning to chance. Study after study has shown that guessing is the main way people figure out what it will take them to be financially secure: Not using an adviser. Not using an internet-based calculator. Not reading a book. Guessing. No matter the...

Financial Advice

Some people don’t want us managing their investments or creating their financial plan, but still, they want some help or advice in financial matters. Here is a sampling of services we've offered to folks like this in the past: Going over their self-created investment portfolio and giving...

Tax Planning

Financial advisors provide tax advice. Even though our emails and financial planning materials state things like "Not intended as tax advice" and "Consult your tax professional," the truth is that when we make recommendations aimed primarily at lowering your overall tax burden, this is tax advice...


We are not an insurance company nor do we sell insurance. But insurance, in its myriad forms, is the bulwark of protection against large unexpected risks. As such we have advisers on staff that hold the Insurance Benefit Counselor’s license. Here’s how we can help with insurance matters: Help you...

Financial Coaching

It can be challenging to maintain your financial well-being. It's a mash-up of feelings, experiences, and good old-fashioned education. Unfortunately, there are numerous blind spots when it comes to money. Many don't know if they're making the right decisions. And even if they are certain they're...

Financial planning

There are many types of financial plans. The broadest plan will identify and encompass every financial aspect of your life.

Education Planning

Like Retirement Planning, which has to commence long before you enter into retirement, Education Planning (for yourself or your children) needs to occur well before mature learners or young scholars are poised to embrace higher education. Luckily, there are a number of government-encouraged...