Who We Serve...

What We Do

The financial planning process is well known… start with the client’s goals, gather information, analyze the situation, make recommendations, implement the recommendations, monitor how things go and adapt prudently. Done well, the impact of financial planning on a family can be profound.

We believe the accolades we have received over the years and our excellent reputation within the industry are due to the high level of service we provide our clients and our dedication to continual improvement for every step of the financial planning process and how that process is applied to clients.

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We provide a high level of service to our clients. Here are some examples...

  • SPECIFIC TAX PLANNING

    Many advisors are in the investment or insurance sales business, paid by a third party to put clients’ money in certain investments. While making money on an investment is important, being able to keep the earnings after taxes is more important.

    When working with a brokerage firm, insurance company, or bank, chances are good that somewhere in the fine print is a disclaimer like this… “XYZ firm does not provide tax advice. See your tax advisor for details.”

    We don’t just talk about taxes… we stand by our tax planning. Since tax advice is so important, we have three Enrolled Agents who are licensed by the Internal Revenue Service to represent taxpayers in matters before the agency.

  • REAL FINANCIAL PLANNING

    Here is an example of what we often see. A potential client has printouts of some beautiful charts and access to a slick online dashboard. Basic numbers have been collected, entered into software to produce a plan, and investments bought. Yet the client does not feel their financial affairs are in order or their financial goals are being met.

    The problem is that the “plan,” whether obtained through some sort of an advisor or done themselves, is simply an exercise in using financial software. We know firsthand that technology, although wonderful for some things, can’t do everything. Personal finance has never been more complex. Superficial planning - plugging some numbers into software to kick out a proposed portfolio structure - is inferior to real planning.

    With real planning, the information gathered is broader and deeper. It covers many areas of a family’s financial life. It understands why families have the goals they do. It adapts to changes and seeks tactics that support the strategies. Real planning is supported by technology, driven by wisdom, and born from expertise and experience.

  • OBJECTIVE IMPLEMENTATION

    We are free to recommend any strategy or investment if we believe it is in our client’s best interest. Moreover, we proactively seek what is best on an ongoing basis. Brand name financial firms will only use investments they have arranged to be in their systems. Even the discount brokerage firms do this. In fact, the more “low cost” is pitched, the more likely it is investment choices are restricted to a limited list or DIYers are pushed toward products which make the firm more money.

  • ONGOING AND PROACTIVE MONITORING

    We continually ask questions and monitor changes which need to be incorporated into our planning work. For example, how do economic, political, market, or tax code changes impact each client’s strategy? Are there tactics that should be stopped, started, or modified?

    With other advisors, we have seen failures in monitoring. We’ve lost count of the number of times we have heard, “I never hear from them.” or “Why didn’t my current firm tell me that?” or “I never knew that.”

    “I never knew that” is usually just a matter of expertise. We have very knowledgeable clients, however, they are not experts.

    “I never hear from them” is common when an advisor is paid largely up front via commission. When paid for new sales, efforts are focused there rather than on advising existing clients.

    “Why didn’t my current firm tell me that?” is something we see with cookie-cutter portfolio management, since an advisor doesn’t have real involvement with the management of the portfolio. The corporate office and the software running the program don’t know enough (or anything) about the client to spot opportunities or threats.