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Our Mission

Create life enhancing financial independence for our clients through improved perspective, improved behavior, and improved results.

Our Vision

To cause a positive and permanent impact for our clients through continuous improvement of our process, methods, and actions.


Our Challenge & Why We Exist

A well-intentioned American couple retiring with the means to fund the first decade of their retirement may often not be able to adequately fund their second decade and beyond.

This result is rarely due to a lack of resources but a lack of fundamentals-based long-term planning. Bad information, missing information, misconceptions, and human nature – these are the gaps that cause this shortfall. We exist to bridge those gaps. In doing so, we help people support their families, pursue their goals, and maintain their dignity and independence.

Our Clients & Why We Love What We Do

Seeking our specialization in retirement planning and behavioral advising, our clients are patient, disciplined, and long-term oriented, or are actively working to enhance these qualities.

Our clients depend on our comprehensive process to assure that their strategies prudently and accurately match their long-term goals, including their income requirements and overall lifestyle. We are timely and responsive, meeting with clients a few times a year to review and refine the plan.

Our clients know what they want from their lives; they're just not always sure how to get there. So, while our clients are in charge of determining their goals, we're in charge of figuring out the most effective and reliable way to work toward those goals. That's what gets us up in the morning and what keeps us going all day.

Our Focus & How We Serve You

Does our client understand the critical issues? Are they acting in accordance with those issues? Are their results in alignment with their actions?

This is the series of questions that we ask ourselves every single time we provide planning and advice to those we serve. They are critical to our sustained value.

No two individuals or families are alike, and so no two written plans will be exactly alike, nor will the steps taken to arrive at such plans. That is why we've placed an emphasis on both the strength of our process and its ability to be customized to fit each client's individual priorities. Furthermore, just as our clients are never done refining their own long-term plans, we are never done refining our overall methods. Our commitment and our promise to our clients is to seek precision in our work through ongoing self-assessment and improvement.

Our Foundation

The Twelve Fundamentals Of Retirement Planning™

  1. GOALS. “Goal-Focused & Values-Driven: Why Any Other Plan Isn't Yours”
  2. FREEDOM. “The Pursuit of Freedom & The Transition into Retirement”
  3. FAMILY. “Family & Community: Involving Those Around You”
  4. HEALTH. “Your Health Matters: Physical, Mental, and Social”
  5. NOISE. “The Noise of News and Neighbors: Role of the 24 / 7 Media”
  6. RISK. “Real Planning for Real Risks: Defining the Challenges”
  7. FAITH. “Capitalism, Business Cycles & The Need for Faith in the Future”
  8. EQUITY. “Big Rocks First: Asset Allocation & The Value of Equity”
  9. BEHAVIOR. “A Behavioral Perspective: The Role of Patience & Discipline”
  10. BALANCE. “Diversification & Rebalancing: The Only Two Responses”
  11. MONEY. “The Net/Net of Real Money: Impact of Taxes & Inflation”
  12. PHILOSOPHY. “Your Foundational Philosophy: The Articulation of Purpose”

Please refer to this PDF for a complete description of The Twelve Fundamentals of Retirement Planning™

Services Available to All Clients Include: 

Investment Advisory Services

  • Planning-Based & Goals-Driven Portfolio Management
  • Behavioral Investment Counseling
  • Consolidation and Coordination of Accounts
  • Fiduciary Investment Review & Assessment

Comprehensive Long-Term Financial Planning, including our proprietary Lifestyle, Legacy & Income Planning Models

  • SRM™ Sequence of Returns Mitigation
  • Decadization™ Analysis
  • LOOVIE™ Income Management System
  • Gifting, Estate Planning, and Multi-generational Income Planning

A Focus on Fundamentals

  • Permanent Protection of Purchasing Power
  • Planning for, and reducing the impact of, taxes and inflation
  • Isolating and Reducing Real Risks
  • Transition & Health Planning
  • The Twelve Fundamentals of Retirement Planning™

Outside Variables Integration

  • Medicare Consulting and Plan Selection
  • Pension and Social Security Planning
  • Insurance & Risk Management
  • College Funding for Children & Grandchildren

Planning for Individuals & Families

We have had the privilege of guiding three generations of clients, applying a consultative approach to managing the complexities that accompany wealth. Our offerings reflect the distinct needs of the families we serve, including coordination with other professional advisors such as CPAs and attorneys to help ensure our service is properly coordinated with all aspects of your life.

From wealth accumulation to wealth transfer, you can turn to us for comprehensive financial planning and leading-edge resources. Our experience with families of many different backgrounds, along with access to technology and advanced resources, allows us to customize our work to your specific needs. You’ve spent a lifetime building a legacy. Let us apply an objective approach to maximizing it.

A Focus on Retirement:

With retirees living longer, more active lives, it’s essential for your retirement plan to work for you, helping you enjoy the life you’ve envisioned while also mitigating risk that could make your resources vulnerable. We help pre-retirees and retirees overcome the challenges of such a profound lifestyle change.

Working together, we talk about what you need and want your money to do for you and assess the likelihood that you’ll be able to achieve these goals. If you have to make trade-offs, we help you prioritize based on what’s most important to YOU and demonstrating you how small changes might make a big impact over time. We also talk about the things that concern you, and strategies that can help alleviate those concerns. As your lifestyle changes, we update your financial plan to keep you moving in the direction you want to go.

We also strive to ensure that your wealth passes in the most efficient way to your heirs and philanthropic endeavors through estate and legacy planning. With our help, you have a full range of resources at your disposal.

Retirement Focused Services Include:

  • Goals-Driven Investment Management
  • Insurance & Risk Management
  • Retirement Income Planning
  • Social Security Optimization
  • Estate and Legacy Planning and Wealth Transfer
  • Asset Distribution Strategies
  • Health and Healthcare Planning
  • Long-Term Care Funding

Customized Strategies for Business Owners and Entrepreneurs

As a business owner, you’ve built something you care about – and you want to see it last. We understand. We’re well-versed in the challenges and opportunities before you. As your financial coordinator and guide, we help you further your own brand of success by giving you the confidence to focus on what you do best.

You have developed the skills you need for success in the marketplace, and you likely feel an unceasing commitment to running your business. Like all business owners and entrepreneurs, you’ve also learned that your personal and professional lives may intertwine in ways you had not anticipated. We can help you see all angles of the bigger picture – important things like passing on a legacy to the next generation and helping to ensure your workers have options for retirement planning.

We help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to pursue your goals – personally and professionally. Our strategies capitalize on our deep resources and insightful analysis and are customized to your needs. The result is a balanced plan interwoven with the details of how you picture your life.

Business Focused Services Include:

  • Business Sales and Valuations
  • Retirement Plans
  • Personalized Wealth & Investment Management for Business Owners
  • Risk Management
  • Lending Solutions
  • Insurance & Tax Deferred Annuities
  • Business Transfer and Estate Planning
  • Corporate Charitable Giving and Philanthropy
  • Cash Management

Lending solutions provided primarily through Pershing LLC, member FINRA, NYSE, SIPC. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested.  No system or financial planning strategy can guarantee future results.

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