How We Help

Investing

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

Fireball is a mutual fund portfolio that invests 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.

Cannonball

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.

Custom

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 management styles simply serve as a framework.  Our top priority is matching what works best for you and customizing a plan to realize your goals.  And yes, we manage our personal monies using the same strategies and securities listed above.

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

Financial Planning

If you are frustrated and confused by the daily bombardment of financial news and opinion, you are not alone.  Having a financial plan and collaborating with an advisor 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.

First

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

Next

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.

Last

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 learn more about our financial planning services?

Company Retirement Plans

We help businesses make smart decisions about these employer-sponsored retirement plans:

If you’re looking for an advisor who will help you lower your overall plan costs, minimize your fiduciary obligations, and increase your employees’ financial wellness, we can help. The major difference between our approach and that of other 401(k) providers is that we do not receive compensation from the investments we use in the plan. As a fiduciary, we must put your plan’s interests first.  If your business has less than 100 employees and between $3 million and $20 million in plan assets, we can help.

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 your accountant and us 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 purpose...to 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 fight for your best interests day in and day out. Our approach results in shared success.

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