Independent. The ability to say no to compromise is a rare thing these days. As an independent Registered Investment Adviser (RIA) firm, we can say, "no." No, we will not do business the way nearly every other financial advisor does it. No, we will not ignore the fiduciary standard and subject clients to the lower standard of suitability. No, we will not affiliate with a parent company who influences our objectivity and limits our ability to seek the best possible solutions for our clients. No, we will not accept commissions or incentives to recommend proprietary products, high cost insurance and investment products such as whole life insurance, variable annuities, or loaded A, B, & C shares of mutual funds.
Because we can say no to compromise, we can say "yes" to other things. Yes, we provide an honest and effective experience driven by your goals and objectives, not product sales or transactions. Yes, we work directly for you, not some company that may have a separate agenda. Yes, we have no allegiance to any one company, service or product, beyond our belief in its ability to help you reach your goals. And yes, we promise, in writing, to always put your interests first... the way it should be.
Conflict-free Fiduciaries. We are fiduciaries, a legally defined standard of guidance and service that means we are required to always act in your best interest and avoid conflicts of interest to ensure our focus always stays squarely on your success.
Our firm provides services on a fee-only basis. The key word here is “only.” This means our only source of income is from the fees we charge. No commissions. No incentives for promoting specific products. No third-party kickbacks. No conflicts of interest.
In the end, we believe that the foundation of a better advisory experience is our passionate commitment to making a difference in the lives of our clients. We designed our independent, conflict-free business model to help us serve you better. It’s not just a better way of doing business; we think it’s the only way. By maintaining our autonomy, fiduciary status, and ability to say no, we can help you build, protect, and carry on what’s important... today, tomorrow, and for years to come. We call it independence. Our clients call it peace of mind.