What Makes us Different
The financial services landscape is constantly changing, and it can be harder than ever to find the right advisory relationship. We think choosing a financial advisor is something that should be done carefully.
We provide a principled and valuable service that enables our clients to enjoy the confidence and peace of mind that comes from having their investments handled wisely, and their financial lives simplified and organized.
We welcome you to review the "client first" business practices that distinguish us from many others in the financial services industry:
We are Fiduciaries
As a Registered Investment Advisor (RIA), it is our duty to uphold the highest legal standard of care, trust, and diligence for our clients. We have the elevated duty to protect our client’s assets, and always put our client’s interests first. We believe financial advice should be provided through an educational approach rather than a sales approach.
We are Fee-Only
All advisors and investments have fees. Some have commissions, or a variety of often ‘hidden’ fees. Our comparably low and transparent fee structure is directly tied to the value of our client’s investments, so our business only grows when our client’s investments grow. We believe that all financial advisors should be tied to the success of their client’s financial strategy, not corporate sales incentives. Unfortunately, there are many in our industry who do not share this belief.
We utilize A 3rd Party Custodian
Investment assets are principally held with a Third Party Custodian such as Charles Schwab or TD Ameritrade, to provide the peace of mind of account safekeeping, accurate record keeping, monthly reporting, and online access.
We are Independent
We are not obligated to any brokerage house or investment bank. This provides the freedom and objectivity to provide a far wider spectrum of investment and financial planning analysis. We are not pressured by sales executives or corporate shareholders attempting to promote unsuitable products, investments, or advice. Our loyalty is to our clients.
We utilize Science and Technology
We believe investment decisions should be based on facts and data, not speculation. Our Asset Class Investment philosophy is based on 80+ years of market data and Nobel Prize winning research. Our renowned Investment Committee utilizes the latest in mathematical data and market research to build a structured approach to help investors achieve their lifetime financial goals.
We are Comprehensive
Our all-inclusive Life Map and Advanced Planning system help us understand our client’s goals and values, so we can work together to build a sound financial strategy. Our goal is to educate our clients about their many financial planning options, help manage and simplify their wealth portfolio, and provide peace of mind for today and many years to come.