Unfortunately, we do not. We only work with people that are looking for a long term relationship. Our practice is not set up for short term project work at this time anyway.

Transparency is a priority for us. As an advisor there are generally three different ways you can structure your business and be compensated. They are fee only, commission only, or both by fees and commissions. We believe that there is a place, and an absolute need for both. We are set up as two distinct divisions. Wealth management is fee only. Insurance is paid through commissions paid by the insurance company.

The first division of our practice is an independent investment advisory practice where we work with more traditional investment vehicles such as stock, bonds, mutual funds, ETF’s, as well as some alternative investments all within the context of fee based managed money.

Through a strategic partnership that I’ve formed with Brookstone Capital Management I am able to access their resources, and a multitude of investment options while still remaining completely independent.

I do not receive commissions on investment trades or transactions. Unlike a broker who might get paid when you buy XYZ stock. Then if they recommend you sell XYZ stock to buy ABC stock instead, you wonder are they are only doing this to earn a commission on the trades?

I am paid a set fee based upon the assets under management. I am not paid more or less if or when trades are made.

The fee you pay is dependent upon the dollar amount invested and the strategies selected as a part of the portfolio design. Most commonly the fee is going to be somewhere between 1 to 1.5%.

The other division is the independent insurance agency. Love it or hate we all need insurance whether it’s for our car, or our home we all need it. We don’t handle that kind of insurance though.

The kind we handle includes life insurance, long term care insurance, and annuities. We are completely independent. If you needed a life insurance policy as example, we would identify the top carriers and tell you the good, the bad, the ugly of each and assist you in getting that in place. 

Some advisors have chosen to operate as completely fee only. Often times they will say that by operating this way, and refusing to accept any commissions it removes all conflicts of interest.

However, there are certain products such as the insurance products that I mentioned above that the only way an advisor can be compensated on them is through a commission.

We believe that if someone needs a life insurance policy, or a long term care policy then we'd be doing a disservice by not making the recommendation and helping them get the coverage in place.

We believe there is a place for both investments and insurance in a cohesive financial plan.

We work with people across the United States. We also have quite a few clients that are local that prefer meeting virtually. Instead of having to get in a car and drive to our office they can meet virtually from the comfort of their own living room.

Excellent question.

If you are wanting an advisor that engages in buying and selling stocks on a regular basis with the attempt of trying to predict and time the markets we aren't the right firm for you.

We believe markets as well as the news of the day are unpredictable. Predicting what the markets will do day to day, or if/when interest rates will go up and down is a fool's game.

Instead we focus on things you can control like helping to create a reliable income stream, reduce your taxes, invest smarter, and optimize your insurance.

We specialize in retirement planning. We aim to ensure you have the money you need, to live the lifestyle you want, for the rest of your life.

We limit the amount of clients we bring on to provide a high level of personalized service and planning efforts.

We are firm believers in technology and invest in it heavily to make the retirement planning process as simple as possible.