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Unlock your Wealth Building Potential!

DESIGN & IMPLEMENT

A COMPREHENSIVE SOLUTION

A consistent planning process serves as the foundation for successful wealth roadmaps. This helps you properly evaluate financial decisions and ensure all of the necessary components are considered. The planning process is designed to understand your unique financial situation, while offering flexibility to adapt the financial plan as your circumstances evolve. Our Wealth Planning Process directs this approach and includes three distinct steps.

DESIGN

We start by uncovering the psychology of your beliefs, personality and investor archetype. We uncover your deepest values, dreams and design your ever evolving WEALTH PLAN.

IMPLEMENT

When your Wealth Plan is ready, it is time to put into action! Without action, these plans are your dreams in a folder.

SOLUTIONS FOR YOUR BUSINESS

A turnkey employer-sponsored retirement plan solution including low-cost investment choices, managed portfolio options, fiduciary coverage, and advanced plan design capabilities. 

Who can benefit from our services...

Entrepreneurs   /   Local businesses   /   Nonprofits   /   Service Professionals   /   Coaches   /   Authors   /   Creatives   /   Real Estate Agents   /   Freelancers   /   Artists   /   Designers   /

People who are changing the world with their ideas, talents and service.

Answers to Frequently Asked Questions:

I recently lost my job. What should I do with my 401k? What are my options? 

“When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” - Alexander Graham Bell

When you leave your employer, (whether you’re changing jobs, retiring or in this economic climate, have lost your job) your retirement savings plan doesn’t automatically move for you.  I have created a guide that will help you answer questions such as: What should I do with the 401K plan at my old employer? Do I have to move it? Where should I put it? Will I owe taxes on it if I move it? What kind of IRA do I need? How do I turn it into retirement income?
Check out the guide I created with options for your retirement plans at your former employer. Learn More

I’m about to hit 40 and although I earn a decent living I can't seem to save any money! Is it too late for me? Where should I even start? 

“The best time to plant a tree was 20 years ago. The second best time is NOW.” - Chinese Proverb

If this question resonates with you, seek financial help immediately! Here are 3 steps to get you started...

Step 1: Three Major Money Moves. You don’t need to be rich or earn a million dollars per year to start accumulating wealth. Whether you earn $55,000 or $250,000, there are things you can put into place right now to help you accumulate wealth throughout your career without making changes to your current lifestyle. Here are  3 simple strategies that could put your money to work harder for you, so you can continue living your life without second-guessing each and every financial decision.  3 “Major Money Moves”  

Step 2: Change financial habits that are destructive. The fields of economics and finance were built on models that assumed our decision making was entirely rational. Research in behavioral finance has found that rarely to be the case.  Humans behave irrationally and make emotional decisions about money and investing all the time. Check out my visual insight newsletter about how to  Adopt Better Financial Behaviors.

Step 3: Seek Financial help. This is "Step 1" if the previous steps are daunting. We can help. Schedule a time with me to explore these steps and take control of your financial future.  

Do you give tax advice?

While tax issues may be discussed in the general course of wealth planning. We do not provide tax advice. We work in collaboration with your tax consultant during the planning and implementation phase and highly recommend you consult with your tax professional prior to making decisions relative to these issues. 

Having stated that, we recognize certain tax savings opportunites that have opened up with new tax rules. We have identified 6 opportunities to lower your taxes. 

Learn More 

I’m a DIY kindda person. What is your advice for someone like me?

" People make better decisions with Financial Advisors". - Robert Schiller, Nobel Prize in Economics

If you wish to go at it yourself, arm yourself with as much knowledge as possible. Check out the Investing Snapshot section of our website. It is loaded with educational materials and resources. 

Here are some book recommendations to read:
A Random Walk down Wall Street 
One up on Wall Street
Factfulness
The Richest Man in Babylon
The Intelligent Investor
Thinking, Fast and Slow
Flash Boys
Principles
A Curious Mind

What's the difference between a big "brand name" firm advisor and you?

Having worked at several big "Brand Name" banks (Merrill Lynch, JPMorgan & Wells Fargo Advisors), I can certainly understand the appeal. Here's a comparison of Brand Name Bank vs Independent Advisor and the reason we decided to leave our big "brand name" bank for the Independent Advisor world.

It’s easy to think that a brand name buys you safety. But are you safe in the hands of financial advisors? If you hire a brand-name advisor, they are most likely accountable to the shareholders of their company. That means they need to focus on generating profits. So they may put the company’s interests in front of yours. In fact, it’s perfectly legal.  Learn more about “brand name” bank vs. Independent Advisors.

Most "brand name" bank advisors are notorious at steering their clients into high cost mutual fund investments wrapped in a managed fee. The more you get charged in costs and fees, the less money you have working for you. Over time, fees compound and can result in significantly less available to you when you need it. Check out my visual insight newsletter on 4 URGENT reasons you should review your Portfolio Now.

 As independent advisors, we are in the business of providing advice, not selling products. We have a fiduciary duty to select investments with reasonable expenses. We don’t have sales quotas to push certain products. Instead, we find you the best solution and help you with all aspects of your financial life. 

How are you paid?

“While good advice may not be cheap, bad advice can cost you dearly no matter how little you pay for it.”  - Larry Swedro.

Though the discussion about our fee schedule is better had during a live conversation, here is our basic fee structure:

Designing your Wealth Plan


One time set-up fee: $1,000
Single:  $297/month (for 12 months) or annual fee $3,000
Couples:  $397/month (for 12 months) or annual fee $4,500

Our Wealth Planning fee starts at this level and increases depending on the complexity of your goals and plans.

Plan Implementation: Annual Advisory Fee Schedule

One time set-up fee: $500

Value of ​Your Investments

< $250,000

$250,000 - $850,000

$850,000 - $1,000,000

> $1,000,000

Annual Advisory Fee %

1.2%

1%

0.95%

0.85%

* Please reference your client agreement and the firm's ADV disclosure for specifics on how fees are calculated and withdrawn.

Is hiring a financial advisor worth it? The answer depends not just on the cost but more importantly, on the value received. Research from Vanguard, Morningstar, and other sources estimate comprehensive financial advice can add about 3% higher net returns over time. They show the primary value of an advisor isn’t finding funds that will outguess the market. Services that create the most value are:

Cashflow Guidance

Asset Allocation

Rebalancing

Behavioral Coaching

Tax Management

Many advisors charge a flat annual percentage fee for advice. In other words, a client with $2.5M pays roughly 5 times as much annually as a client with $500K. We don’t really have an account minimum, but our costs are structured so the percentage decreases dramatically as your wealth grows.

Working with us is easy and saving thousands annually for decades compounds to a lot more money. Meet with us to see how much more you can get.


DISCOVER your INVESTING PERSONALITY!

Take this Investing Personality Quiz that identifies what type of investor you are.