Guiding Principles

Integrated Approach: We can help you in all the interrelated aspects of personal finance — retirement, taxes, education, investments, insurance, estate planning, and cash management.

Fiduciary Standards: We act as your fiduciary, legally bound to place your interests above our own.

Fee-Only Compensation: Our clients pay us to work for them. We do not receive sales commissions on anything we recommend, such as mutual funds, insurance, etc. We neither receive nor pay professional referral fees.

Investment Cornerstones: Our investment strategy is based on four philosophical cornerstones — a focus on equities as the best road to and during retirement, broad diversification as a cushion against volatility, low-cost, tax-efficient investing as crucial to success, and long-term vision as protection against reacting to fads and bubbles.

Guiding Principles
Integrated Approach
Fiduciary Standards
Fee-Only Compensation
Investment Cornerstones