About us

 As an independent advisor we have the universe of investments to implement for clients allowing us to choose what they would choose with the same knowledge, experience, resources, and time at their disposal.  We are not tied to any products, we do not sell investments, nor make commissions.  We are fee-only allowing us to research and place our clients in the best performing, best value, best risk to reward investments to meet their goals. Our low fee and cost efficient investments ensure they are getting the most out of their money. 

Charles Schwab & CO., Inc. is our custodian for our private wealth management clients. Schwab has extremely low to no transaction fees for the mutual funds and ETF's we use.  We do not receive any compensation from mutual fund or ETF fees. Our clients know our interests are always in-line with theirs.  Holding accounts at Schwab and not in-house, provides protection and flexibility.  We can place trades in their accounts and remove our quarterly fee but that is it.  We do not have access to their funds; thus a layer of fraud protection is installed that  should require from any advisor.  Schwab also makes it easy to fire us if we are not meeting expectations. A client can call Schwab and ask to have us removed as his/her advisor and that it, it's done. We are committed to earning our clients' trust and making them lifelong clients. Despite the ease of transferability, we have an exceptionally high client retention rate.  

We shop several providers for our Corporate 401(k) plan clients to find them and their employees the best value. There are no transaction fees on our 401k platforms. 

 The benefit of using 3rd party custodians is efficiency, cost, security, transferability and protection. Our clients access their accounts through the website of the custodian. 

Often by either over reporting or under reporting, advisors leave clients with no idea where their money is invested or how it is preforming. Have you experienced an advisor who dumps loads of useless paper in your mailbox, or gives you account values but nothing to compare them against?  We provide our private wealth management clients with quarterly reports showing where their money is invested and how it is preforming concisely and accurately. We use multiple benchmarks so they can easily see how we are doing and hold us accountable. They also get monthly or quarterly reports from Schwab which they can use to validate their account values on our independent report.