Holistic Investment Advisory Services That Puts The Client First

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Our Fee-Only “No-Commission” Policy Ensures that You Get Recommendations with No Conflict of Interest

Many financial advisors earn commissions on the funds they sell. Meaning they only make money when you invest in the funds they represent. 


But what if a fund they DON’T represent is a better choice for you?  Will they recommend it?


That’s why we operate on a fee-only basis. Without a conflict of interest, you can trust that our recommendations are based on what’s best for YOU.


In addition, with a CPA certification, we also understand the complexities of investment tax implications. You don’t have to worry about making a chunk of money only to see it gobbled up at tax time. Our strategic planning incorporates ALL the variables to maximize your wealth.

Our Investment Plan Process

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Listen

Everyone’s goals, risk tolerance, and financial needs differ. So before we DO ANYTHING, we need to understand your whole financial picture fully. In our initial consultation, we ask a lot of questions, ask a few more questions, and work to get to know you.

Create

Once we understand your goals and preferences, we build a plan custom-tailored for your unique financial DNA. We consider your age, your retirement dreams, family, tax bracket, assets…anything that could impact your financial plan.

Implement

Creating the plan is only half the battle. Completing the paperwork and getting the financial ball rolling is a process in itself. We take care of all of this for you so that your investments aren’t delayed because you were missing a form!

Adjust

As life changes, so does your portfolio. Maybe there’s an unexpected kid (whoops!), mom moves in, and there’s a bull market. Wherever happens, we continue to monitor your plan and make adjustments that maximize your ROI!

To book your financial advisory consultation, give us a call today!

Call Today!
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Commissions Bring Profits to Others and Risk to You

Case Study

Shane came to us wanting to review his Merrill Lynch. We noticed he had a taxable brokerage account with mutual funds that had both high internal fees and a high front-end load (sales commission) of 5% totaling  $112,500 in fees! 


In order for these mutual funds to produce a decent return over the fees they contained riskier stocks. So the broker made money while Shane carried all the risk. 


To put the odds more in Shane’s favor we designed a comparable portfolio with lower fees, no commission load, and lower market risk. More of his money went to work for him! And better yet, when and if we make portfolio changes he will never pay us a sale commission because we don’t work on commission. Thus, he can always trust that we make recommendations based on profitability for him and not us!

Case Study

Another client, Paul, had a brokerage portfolio consisting of mutual funds producing large short-term capital gains of $44,000. Since he was in the top tax bracket of 37% he was paying $16,280 in taxes to IRS. So after tax, he only netted $27,720 Crikey! (As Crocodile Dundee would say). He was giving the IRS 37% of his profits!


We found more tax-efficient funds that tilted his gains inside his funds to long-term capital gains. His tax went down to $6,600 which was $9,680 in tax savings ($16,280 – 6,600). This was $9,680 for him to keep instead of giving it to the IRS!

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Are Capital Gains Costing You?

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Are Capital Gains Costing You?

Case Study

Another client, Paul, had a brokerage portfolio consisting of mutual funds producing large short-term capital gains of $44,000. Since he was in the top tax bracket of 37% he was paying $16,280 in taxes to IRS. So after tax, he only netted $27,720 Crickey! (As Crocodile Dundee would say). He was giving the IRS 37% of his profits!


We found more tax-efficient funds that tilted his gains inside his funds to long-term capital gains. His tax went down to $6,600 which was $9,680 in tax savings ($16,280 – 6,600). This was $9,680 for him to keep instead of giving it to the IRS!

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