Charting your course, wherever life takes you
Our Values
1
No minimums
Everyone deserves the opportunity to work with a financial planner, regardless of their income or value of their stock portfolio.
2
No sales
As fee-only advisors, we remove any incentive to sell products and earn a commission. Our incentive structure is completely aligned with our members interests and not that of insurance or other product sales companies.
3
Low-cost service
By leveraging technology and reducing overhead, we are able to provide some of the lowest rates in the industry without sacrificing quality
Financial Planning Forward
Holistic, Proactive and Unlimited.
A typical financial plan takes months to develop and implement and decades to maintain.
Through the financial planning process we get to know you deeply. Our subsequent recommendations for investments, tax planning, estate planning and Insurance products are more closely aligned with you, your goals and your values.
Here is a brief overview of our process:
We begin by understanding you and your current financial situation.
Next, we identify your goals.
Once we know where you are today and your goals for tomorrow our professionals will analyze all options available.
Our team will develop a plan based on the options that are in your best interest and present the plan to you
After presenting your plan we’ll decide how best to implement your recommendations
Ongoing maintenance and updates, for all of life’s unpredictable events
Our Investment Philosophy
Diversification
Buy the hay stack, not the needles. Equity investing can be volatile and includes more risk than other types of investments. We limit our exposure to any single company by diversifying our holdings.
Long-term
Investments aren’t short term decisions. We believe that a twenty year time horizon for holding stock investments is an appropriate frame of mind to have when considering to buy an equity position.
Alternatives
For our more experienced clients, we offer access to alternative investments. Some examples of the alternative options we provide are structured notes, private REITs and interval funds. We also offer alternative strategies which trade on formulas uncorrelated to stock market metrics.
Cost conscious
We search for funds that are the best value for our clients. We aren’t seduced by the latest and greatest fund managers because we know that their performance is often short lived and their management fees can erode long term growth. Our preference is to choose funds with low management fees and time-tested strategies to hold them for the long term.