We follow an advice based approach, not a product sales approach. We accept no commissions on any of the recommendations we make. We believe that small technical changes in your personal financial & investment plan now, can often lead to big changes in your financial position later. To maintain complete objectivity, we operate on a fee for service basis. We receive no personal benefit by recommending one product over another. We are not affiliated with a product sales company. That gives us freedom to look at many different asset classes plus college funding, retirement planning, and tax minimization techniques. It also ensures that you receive objective advice.

While we don’t sell financial products, we do offer specific recommendations and opinions on various financial products and investment choices that may be appropriate for a client’s situation. We will also advise a client where to obtain those products or investments. If appropriate and at the client’s request, we will help with plan implementation. To download a detailed view of the Financial Planning process click here.