WHAT WE DO

Our investment portfolios are carefully designed to help retirement investors reduce risk, improve returns, and create a reliable income stream. It starts with focusing on areas we can control. For example. keeping costs low, owning tax-efficient investments, and staying disciplined through all market cycles. As a fiduciary, our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.

We view financial planning as a continuous process. Within that process, there are different "modules" with which we focus. Those planning modules include: retirement, insurance, estate, investing, and tax to name a few. We meet you where you are and believe simplicity is the ultimate sophistication. As life continues to change, we will constantly adjust to ensure ultimate success in your plan. We use a variety of planning tools that help balance the art and science of every financial decision in life.

The retirement income puzzle is one that has numerous solutions. It's important that you find the correct solution for your specific situation. We take a strategy agnostic approach and don't try to fit every client into one strategy. You don't get a second chance at a successful retirement, so it's important to get it right the first time. We take all sources of income into account (social security optimization, rental properties, portfolio withdrawals, annuities, etc.)

When (not if) the market goes down and/or you experience volatility, it's crucial to your plan's success that you have a strategy. We use a variety of tactics and tools that are based on each individual client's risk tolerance and risk capacity to ensure that their plan is successful through any market condition. We start by identifying our client's retirement "style" to get a notion of how they think about risk. After that, we match their style with the best strategy to hedge against volatility and risk.

It's important that an investor saves into the correct accounts AND holds the correct investments in those accounts. There are various account types and they are generally all taxed differently. There are tax ramifications now and in the future for each decision your make with your money. Let's make sure that your tax plan is optimal for you.

The biggest variable for most retirees and investors when it comes to their plan's success is how they behave. The reason it doesn't seem important on the surface is because it's tough to quantify. Behavioral investment counseling is the biggest intangible value-add that an advisor has to offer. Clients usually need the advisor the most when markets are tough and the investor "feels" like selling. The problem is that we are fighting human nature. Our goal is to eliminate emotional decisions while still being empathetic with our clients.