We are a fee-based financial services firm, which means our only compensation comes from the services we provide to you. We do not get paid any commissions, kickbacks, "trails", or any other fees other than the fees we charge you. We believe this is the fairest form of compensation and aligns our interests with yours.

Yes. We are held to the fiduciary standard, which means we have to act in your best interest regardless of the compensation we receive.  We are legally, ethically, and morally required to act in your best interests at all times. Even if we were not legally obligated to act in your best interests, we believe it's the right thing to do.

We believe in passive investment management. We don't believe that you can beat the market, but we think that you are entitled to get market rates of return. We believe in keeping your investment fees as low as possible, harvesting losses when applicable, and rebalancing when appropriate.

We believe you you should focus on the things you can control, like how much risk you want to take, using compounding growth to its full potential, and minimizing your taxes.

We are retirement planning experts who specialize in people who are retired or very close to it (typically five years or less). This allows us to tailor our services and expertise to the unique needs of retirees. While our clients would hardly consider themselves to be "rich", thanks to a lifetime of diligent saving and frugal living, they have accumulated a retirement nest egg of $500,000 or more.

Financial planning is an ongoing process of gathering information on your finances and current tax laws, then looking at the variables that affect outcomes (such as inflation, early/late retirement, career changes), and seeing which decisions have the most potential to improve the outcome. We work through this with clients on an ongoing basis, providing education and advice that they can continuously help them make decisions to increase their wealth.