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Our Process

Our Process

We understand the trust that our clients put into us as Financial Advisors and take that responsibility very seriously. At the end of the day, my job is to make you more money. That is why we go to such great lengths to learn about you and help you to achieve your financial aspirations. As I say to all new clients, “if it has a dollar sign on it, I should know about it”. 

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Our Philosophy

Our Philosophy

Our philosophy is simple... Help people make good decisions. With all the conflicting information out there today it is too easy to miss potential opportunities. As a fiduciary it’s simple, always put your interests at the forefront of any decision. By doing so we create lifelong clients because we know this is not a transactional business. This is a 20, 30, 40+ year relationship that we would never risk for any short-term gain.

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A PLAN PERSONAL FOR YOU

A Sound Strategy is the Key to Success

Any good business has a business plan, your financial future should be run like a Fortune 500 company. As your personal CFO, we will create a well thought-out strategy focused on your specific goals and use them as a guide for all our investment decisions.

As a Fiduciary Financial Advisor, we must first identify, quantify, and apply timeframes to each of your goals before we can discuss any investments. Understanding all of these aspects could mean the difference between success and failure.


Your priorities change as you progress through life.

Each of these stages has its own set of phases and as your Financial Advisor we will help identify and plan for them all.

Typically, this is the age when people begin considering their budget, debt, and savings. It is common at this age to have a considerable amount of student loan debt, very little savings and incur all of the fun new expenses that come with being self-sufficient. Finding ways to save money can be difficult at first, especially early after college when incurring all sorts of new expenses like student loans, rent or even a mortgage. In this phase it is important to focus on creating a debt payoff plan, a monthly budget that covers your expenses and allows for at least some additional savings and to avoid any pitfalls that may cause setbacks as we enter into the next phase.

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This is the longest phase of the lifecycle. Typically, debt levels are starting to go down, income is slowly increasing, and you are accumulating a sizeable net worth. Large first purchases may be coming up and you may be focusing on how to optimize your portfolio. You are having the most significant changes in your life as well: getting married, having children, moving, and changing jobs are common in this phase. Each of these changes has an impact and a solution. When clients are in this phase our focus has to constantly adapt and it is common to update financial plans regularly and incorporate tax strategies to minimize your tax burden. This stage is the most important and most often overlooked when it comes to your finances.

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This phase is typically when wealth is rapidly accumulating. Here many of life’s largest purchases and expenses are behind you. Children are off to college and out of the house (hopefully). Income should be outpacing expenses, allowing you to save extra money for retirement. If you have not done so by this time it is important to start simplifying your finances. As a Fiduciary CFP© we take a holistic approach by looking at all our clients’ accounts held with us or elsewhere. Clients can sometimes have upwards of 30 different accounts and at this phase, the focus needs to be on optimizing your investments because mistakes early on may not make a large dollar figure difference but in this stage, they can be incredibly costly. Although we recommend hiring a Financial Advisor in the first and second stage, we believe it is necessary to hire one at this phase.

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This is the dream… the retirement phase. This is when earned income ends and you are living off your savings ideally spending your time doing whatever it is you want to: travel the world, move to be close to your family or whatever it is that makes you happy. At this point I want my clients to focus on fun and not worry about their financial future and never be forced to go back into the work force. As we enter this phase we start to withdraw from accounts and the risk levels should be lowered while still making sure to keep pace with inflation. This phase is focused on how to generate income from your investments, how to make sure that income lasts for the rest of your life, and how to leave behind a financial legacy for your loved ones.

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Managing a business along with personal finances can be overwhelming, especially when considering how many options there are as a business owner. Choosing the right strategy means looking at company revenue, expenses, number of employees, average salaries and much more.

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Do you make a lot of money but don’t feel like you have as much as you should? You may be a High Earner but Not Rich Yet…a HENRY. This group faces its own set of hurdles and has become a growing segment of my clientele due to my experience navigating these challenges.

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Helpful Content

Curated articles, videos, and more, for a financially savvier you.

<p>The Financial Literacy Crisis</p>

The Financial Literacy Crisis

Many Americans are operating their personal finances with only the barest minimum of knowledge.
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<p>Understanding the Alternate Valuation Date</p>

Understanding the Alternate Valuation Date

Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
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<p>Once Upon a Goal</p>

Once Upon a Goal

Do you know how to set up your financial goals for success? This knight does.
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How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investment IQ."

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