Investments

The firm works with investment clients through a Registered Investment Advisor (RIA) model where we are compensated for our services on a fee-based relationship. Investment products are held at a third-party institutional custodian (currently TD Ameritrade) and clients are charged a fee for assets under management. Our fees are outlined in our firm brochure (form ADV 2A) and we find a fee level that is appropriate for your situation at the onset of the relationship.

Most of our clients are invested in a portfolio constructed of mutual funds. We spend time exploring the investment needs of each client and design an asset allocation that is best suited to their situation. We have model allocation portfolios as well as custom-built portfolios. We work with clients on their individual accounts, retirement plans, education savings, and trusts. We also work with small business owners on group retirement plans and defined benefit plans to offer their employees.

We work with the following types of investment accounts:

Insurance

We are independent insurance brokers. Cases are submitted through various general agencies and brokerage houses to find the best-matched product for each client situation. We have no obligations or sales quotas to place insurance business with any one specific insurance company. We believe this is the ONLY way to receive objective advice when it comes to insurance.

We work with the following types of insurance products for our clients:

Planning

We work with individuals and families on various types of financial planning needs, including: Retirement, Education, Business Succession, and Estate. Some planning work may be done as part of the overall advisor relationship. However, more comprehensive planning typically involves a separate planning fee which is negotiated based on the depth and nature of the planning.