Investment Analysis

Employing a holistic approach to planning your investments, we treat clients as individuals with unique financial situations and retirement goals. We utilize Riskalyze, a software that compares the risk tolerance of individuals to the risk level of their current portfolios, often uncovering large discrepancies.

Our team also partners with well-known investment research companies, like Morningstar®, to provide unbiased views on individuals’ portfolios.

Investment Management

As an independent investment advisory firm, we believe that it is important to provide our clients with smart options to help them make the right decisions about their futures. That is why we partner with highly rated and market-proven third-party money managers who offer a well-rounded collection of portfolios.

As a fee-based advisory firm, we have a vested interest in helping grow your account, not just cashing in on a commission. Our fees are low and flat, and there is no additional charge for using our money managers.

Income Design

We believe that the only way our clients can achieve confidence in their retirement is by creating a detailed retirement and financial plan. By analyzing your assets and retirement goals, we will help you build a solid, well-organized retirement plan for your golden years.

We also strive to help our clients get the most out of the Social Security income they have been spending a lifetime contributing to as a way to further protect their nest egg.


Investors who run out of money to support themselves during their later years face a substantial dilemma. Annuities were created to help mitigate this risk. Many are designed to help prevent the contract owner from outliving their income through the use of optional riders, such as income for life.

While these products may not work for all investors, the right annuity can be a great way to ensure a steady income in retirement.

Annuities are subject to an optional income rider, which includes a fee that will be deducted each year from the account value of the annuity.

401(k)/403(b) Solutions

Our firm believes in small business, because we are one too. We work with small-business owners and plan fiduciaries to identify areas of concern within their company-sponsored 401(k)s, 403(b)s, etc., and offer smart solutions to remedy them.

We help the plan fiduciaries improve plan design, reduce fiduciary liability, and offer opportunities for better communication and services to their employees — often reducing overall plan fees.

Our Trademark

  • Personalized Stress-Free Retirement Plan
  • Annual and/or Quarterly Reviews
  • Customized Portfolio Construction
  • WealthGuard™ Protection and Monitoring
  • Portfolio Risk Management (PRM)
  • Weekly Account Updates
  • Quarterly Market Updates*
  • The Advisor Monthly Market and Economic Newsletter
  • The Vault Consolidated Access
  • Custodian Access – Fidelity, TD Ameritrade, Charles Schwab
  • Client Appreciation Events
  • Ongoing Educational Workshops and Seminars

*Available only to clients who have assets under management.