How We Help

Investment Management

The two most important elements of successful investing are thinking clearly and avoiding temptation.  Our approach emphasizes simplicity, levelheadedness, and taking on smart risks.  We invest in stocks and bonds, and mutual funds and ETFs that do the same.


Fireball is a portfolio of mutual funds that invest in thousands of securities across the globe. Even though we use this approach primarily for smaller accounts, Fireball gets the job done regardless of account size.


Similar to Fireball in concept, Cannonball uses exchange-traded funds (ETFs) rather than mutual funds.  We like ETFs for their transparency, low fees, and trading mechanics.  This approach works best for accounts with $50,000 or more in assets.


This style is for investors who like owning individual securities.  We’ll use a mix of high conviction stocks and/or bonds that satisfy your risk tolerance. This strategy works best for accounts with $500,000 or more in assets.

These investment management styles serve as a framework.  Our top priority is customizing an investment portfolio that addresses your financial goals and preferences.  Also worth noting, we eat our own cooking.  Our personal monies are invested in these same strategies and securities.

Are you ready for a complimentary review of your current portfolio?

Financial Planning

Are you overwhelmed by the daily bombardment of financial news and opinion?  Figuring out what and who to believe is a challenge.  Collaborating with a CERTIFIED FINANCIAL PLANNER creates a sense of calm among clients and keeps them focused on what truly matters.  Most importantly, they’re able to live (and spend) more confidently in the present.


We will have a collaborative conversation with you over the phone or in person.


We will ask you for a short list of financial information that you can easily and securely upload from your personal computer to our client portal.


We will meet and present our findings and key recommendations to get you on the path to finding the balance and achieving your goals.

During this entire process, we will help you articulate your financial goals, optimize the resources you already have, and put in place a plan with a trajectory towards a sound financial future.

Are you ready to connect with a Certified Financial Planner (CFP)?

Company Retirement Plans

We help plan sponsors and businessowners make smart decisions about their company retirement plans.

401(k) plans have changed a lot in the last five years.  If you’re looking for an advisor who will help you lower your overall plan costs, reduce your fiduciary obligations, and modernize your retirement plan offering, we can help.  Unlike the majority of 401(k) providers, we are not compensated by the investments in your plan.  You pay us a simple and transparent fee to deliver more value to your plan.  If your business has less than 100 employees and between $3 million and $20 million in plan assets and you’d like to learn more, please connect with us below.

If you are self-employed or a small business owner and want to put away up to $55,000 (for 2018) toward your retirement, SEP-IRAs will be of interest. Advantages include easy setup and maintenance, low administration costs, no filing requirements, and flexible annual contributions. One disadvantage is that only employers can contribute, so employees do not contribute to their own retirement.
If you own a company with less than 100 employees, a SIMPLE plan may be of interest. Advantages include easy setup, low plan costs, no required discrimination testing, and the option for employees to contribute to their own retirement.  Disadvantages include lower annual contribution limits than SEP-IRAs and mandatory employer contributions, even if the business is having a bad year.

If you are self-employed and have no employees other than a spouse (and no plans to add employees), an Individual 401(k) may be of interest. These plans allow for both employer and employee contributions, up to $55,000 (for 2018) or $61,000 for those 50 and older. Advantages include a Roth option, more flexibility and higher potential limits than SEP-IRAs, and the ability to make profit sharing contributions. One disadvantage: you must file a Form 5500 each year if your plan assets exceed $250,000.

Choosing the right company retirement plan involves numerous details and considerations beyond the scope of the above commentary. Please consult P&A and your accountant to ensure you get the most out of your retirement plan options.

Ready for a complimentary review of your company’s retirement plan?

Since 1995, we have existed for one help our clients live the life they’ve always imagined. We are a fee-only registered investment advisor (RIA) and a full-time fiduciary, meaning we advocate for your best interests day in and day out. Our approach results in shared success.
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