Independent, Unbiased, Fee-Only Advice

We charge a flat annual Planning Membership fee in order to serve truthful advice to clients, deliver clear Action Items to be implemented, and provide ongoing accountability coaching throughout the year.  We make ourselves available on this membership retainer to work through financial projects or questions that may arise. 

We do not manage investments.  We leave that to the investment advisors so that we do not have any conflict of interest in our advice. In-fact, there are some cases where it might make sense to liquidate investments to pay off debt because that is genuinely the best move.  We want to be able to show clients that without hesitancy and being compensated on a flat fee promotes that. 

We do offer independent insurance brokerage services, but without any requirement to utilize them.  We want to be able to educate clients on what they have, how it works, and everything else that is available in the marketplace.  There are cases where it makes sense to alter, purchase more, or drop coverages.  Our Planning Membership fee allows us to give the advice freely, and clients can take it back to their own agents, or they may choose to utilize our insurance brokerage service.

We operate independently, so we aren’t going to sell you products you don’t need.  Our objectivity enables us to provide unbiased financial advice.

Net Worth Focused

When it comes to building wealth, you might find that the typical financial advisor is only most concerned about your investment account, its performance, and your savings rate into it.  However, an investment account is not the sole contributing element to your Net Worth.

There is one financial topic that typically gets neglected, and that’s Debt Reduction. Most advisors ignore their client’s debt because they don’t get paid to focus on it. Paying down debt is one of the smartest financial moves anyone can make, and it is a key ingredient to growing your Net Worth.

If you are a business owner, your business is an income-producing asset with a value that should be included in your Net Worth statement because it can potentially be sold one day.  It’s also likely the asset that you have the most control over and provides the greatest return on investment.  Your business is likely a better bet than Wall Street.  That’s why we are heavily focused on the business performance and how it contributes to your Net Worth.

Integrated Financial Tracking

We use the latest in web-based technology to provide you with an online X-Ray of all of your finances in one place.  We build a custom Financial Dashboard for you that tracks all of your changes in assets & liabilities, ultimately tracking your Net Worth progress. 

You can link your online accounts and view the balance changes real-time on a daily basis, as well as securely store any important financial documents in an encrypted online vault.

With access to your Dashboard from any smartphone, tablet or computer, anywhere, anytime, you will always be organized and prepared to make moves.  It takes the pain away from filling out a Personal Financial Statement each time you apply for a loan, and banks love it!

Custom Advice

We specialize in helping growth-oriented white coat business owners. This includes, but is not limited to, dentists, veterinarians, plastic surgeons, dermatologists, optometrists, ophthalmologists, podiatrists and chiropractors.

We don’t give generic, cookie-cutter advice or trainings.  We custom-design your future planning & forecasting to your business, to your personal and professional goals, and we keep you aware of how you compare to your industry peers in similar circumstances.

Our unique client experience involves an entire day totally dedicated to you, your family, and your business.  We call this your Financial Freedom Day where we lay out the next 10 years of your business & personal financial life in your custom 10 Year Plan. Then, we are at your service for the remainder of the year as you need us to implement!