Experience the Difference

Strategic:  Financial decisions are interconnected and cannot be made without examining each move’s full effect on the client’s overall plan.  From the strategic planning that goes into our dynamic, real-time Wealth Plans; to the strategic, tactical, proactive investment management process that we utilize; we are setting the standards by which wealth management firms will be judged in the future. 

Wealth:  We define true wealth as all that money can’t buy and death can’t take away.  Our goal is to help our clients find true wealth by uncovering what is truly important in their lives while providing them with peace of mind so that they can pursue it.

Partners:  Our clients are our partners.  As a fee-only investment advisory firm, we have a fiduciary responsibility to always act in the best interests of our clients, putting us on the same team as our clients.  We have a vested interest in protecting and growing the net worth of our clients, while managing risk on a daily basis.  By operating in a completely transparent, conflict-free manner, we enable our clients to prosper while achieving peace of mind.
Calculators

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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