Unbiased recommendations,

Unlike others, we are completely independent and not tied to specific financial products. We have no sales quota. The only goals we pursue are yours. Our services are provided in exchange for a specific fee based on total assets under management or at an hourly rate. We accept no commissions or other compensation from your purchase of investment products. All investing is done through discount brokerage firms and with no load mutual funds. If cash value life insurance products are appropriate, we recommend only those that do not pay commissions. Your disability insurance and term insurance needs are referred to other professionals with whom we have no financial relationship. We research and analyze all investment options before recommending the most appropriate one(s) to you. You hear the negatives as well as the positives - and the expenses - of each alternative. If we don't know the answer to your question, we are quick to find it. And verify it.

Prize-winning credentials,

Like an attorney or CPA, our expertise has been developed through years of education and practice. Our investment management and financial planning services are based on Modern Portfolio Theory, an approach developed by Harry Markowitz and deemed so significant, he was awarded the Nobel Prize for Economics. That means, through proper decision making and asset diversification, you are more likely to experience a higher return at a reduced risk.

Exceptional personal service,

We prefer to work with highly selective individuals who, in turn, prefer to work with a financial advisor who meets their needs with personal attention and not with a sales pitch. As a small company, we know you by name, not by account number. You get monthly account statements, quarterly performance reports, periodic newsletters, and - whenever appropriate - a personal phone call to update or advise you. We are always accessible and promptly respond to your inquiries. Our clients say we treat them like family. That's why, if you tell us you are happy with your current financial advisor, we can reply with confidence, "Then you'll be even happier with us."