Our Typical Client:

No person or business is all things to all people, and that's what makes for interesting capitalism in our society.  ​​Depending on your needs, you might be asking if we are a good fit for you and your family.  Here are what many of our clients come to us for:
​​
  • We work with people in the "accumulation" stages of life who want help in organizing their finances, reducing duplication in investments, reducing investment costs, and simplifying their ability to monitor, re-balance, and occasionally change their financial assets and tools as their situations demand;
  • We help people understand and work with their IRA and qualified plan accounts, including providing knowledge about tax rules affecting contributions, distributions, rollovers, and conversions.  We also can help a client review their investments in their 401(k) or qualified plan at work.
  • We assist people who don't know much about finance or investment, want to increase their knowledge and their ability to manage their own financial lives, and want to work with a trustworthy adviser who will help them and possibly even coach them to their own independence!

​

A Few Things We Don't Do:

Of course, though we'd like to help as many people as possible, sometimes clients are looking for services that we can't or don't provide.  We believe in this type of candor ahead of time, so that you are better prepared prior to speaking with us:
​
  • ​We don't prepare tax returns or provide in-depth accounting services.  Most clients are well-served by having a specialist in this area.  A good CPA (Certified Public Accountant) or EA (Enrolled Agent) can be a great resource and a useful second set of eyes.
  • ​We don't prepare legal documents.  This doesn't mean that estate planning goes undiscussed during the overall planning process.  It does mean that the completion of wills, trusts, powers of attorney, living wills, and other documents is typically performed by a lawyer.
  • We don't sell insurance products.  These products are often useful to provide family protection or to create an annuity stream in retirement.  However, as we are paid directly by our clients, and not by product commissions, we don't sell insurance.