Who are we? What do we do?

We provide investment and financial management recommendations to individuals and enterprises seeking independent advice that is tailored to each situation. Our business came together in 2000 as an outgrowth of what we have provided to clients over our careers as certified public accountants and financial advisors. Licensed as registered representatives and investment advisor representatives, we formalized many years of independent financial advice through this expansion of our professional certifications.

• We Listen. Listening is essential to learning about YOU! We are interested in your story; your dreams; your ability to tolerate risk given what you have accomplished and where you wish to arrive. There is generally far too much information for investors to consider when establishing an investment program. Listening focuses our attention to those areas most necessary for your financial success.
• We Discern. Is your current financial plan creating the best path to realize your future financial goals? Are you asking the right questions and assuming appropriate risk for the desired return? We probe areas deserving of more attention. We align the puzzle pieces of your input with strategies that can place you upon the path to achieving your financial goals. We analyze your financial circumstances and develop a financial and investment plan, which reflects your goals, time horizon, and risk tolerance.
• We Communicate. We explain our process and our conclusions. Our investment strategies are thoroughly reviewed with you and implemented only with your authorization.
• We Educate. Our discussions are designed to inform you of the basis for our recommendations. This is not a static process. The economic picture changes; your circumstances change. It is our core belief that we explain our conclusions in a fashion that is informative and transparent.
• We Implement and Monitor. Only after we have successfully communicated an investment plan which meets your approval do we implement. No plan is static. Your investments are monitored and adjustments made as economic or personal circumstances change.
• We offer independent advice. We do not promote proprietary products. We are generally compensated through a fee based upon assets under management. Our approach builds upon our years of experience as certified public accountants providing business and tax advice. Our experience, skills. and desire to meet the needs of our clients brought us together. Let us help you as we have helped others. Let us listen, discern, communicate, educate, and implement for you as we have for others. Time works for you if you have in place the right plan.