Our Firm

We want to be your trusted partner, helping you build and implement personal financial plans that meet all of your financial and life goals. We start from zero with each of our potential clients and look at everything that is important to them. Every client is unique, and every financial plan is unique. If tax or estate issues are determined to be critical, we have consulting attorneys and CPAs who can assist you (for their customary fees), or we will work with professionals of your choice.

How do we work? The first step is a free consultation to determine what is important to you, and to determine if the ways we work fit your needs. Next, we mutually determine what course of action is best. A comprehensive financial plan may be desirable, or perhaps just a written analysis of retirement assets and asset allocation (accumulation or income). If you have children or grandchildren, then education may be a high concern. For professionals or small business owners, business succession or insurance or retirement plans might be important. Everyone has different needs and concerns.

Once we have determined the course of action, we will give you a written proposal of economical options for you. One of three paths will be chosen:

1.  You may simply want to add a retirement plan, update life insurance, or make a modest investment change. This is often done without a planning fee, but with commission based products. This is best for clients whose commission costs will be less than planning fees.

2.  Most clients choose an advisory fee route. This involves either a full, comprehensive, written financial plan or a written plan of action for a specific need. The fee may be hourly or flat, and the amount will depend on the complexity of the individual case. The minimum fee is $500 or $100 per hour. Call for a complete range of fees.

3.  The most comprehensive option is full money management. This is best for complex or large investment positions. This is for people who want professional, active, and frequent advice on their investments and other financial issues on a continuing basis. Money management fees are based on total assets managed, and are normally 0.5% to 1.0% of total assets, again depending on complexity.

Of course, we will always maintain confidentiality, and never transfer your information to any marketing organization.

Call us at 941-586-3959. Consultations by appointment.

BEFORE YOU WORK WITH US OR ANY FIRM, YOU SHOULD RUN A BROKER CHECK AT WWW.FINRA.ORG/BROKERCHECK.