What makes us different?

Our advisors specialize in investment and retirement planning with a focus on tax savings.  We link investments and wealth management with tax planning and preparation.

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Our Mission is to empower you, so that you understand and feel comfortable with your financial affairs. We will help you develop a comprehensive financial plan and then construct portfolios and strategies based off that plan to help you achieve your goals.  Our business model allows us to offer an array of independent services to complement your needs.  This flexibility of not being tied to any one product, company, or service allows us to give you impartial and unbiased advice. We always offer a one hour consultation at no cost to determine if our services match your needs.  In situations where we cannot assist you, we are happy to refer you to another qualified professional.

 

How are your Investment Advisors compensated?

When hiring a Financial Planner, there are many considerations to put into context. One of these considerations is how your Planner gets paid. Many firms offer either commissioned or differing forms of fee-based compensation. The compensation structure we employ for clients depends upon the size and complexity of their situation and comfort level. The flexibility we have by being compensated either by fees or commission allows us to maximize portfolio customization and minimize portfolio expenses and taxes dependent on the situation. Accordingly, we act in your best interests, not the best interests of any specific investment management or mutual fund company. We succeed when you succeed.

 

Why Rollover Your 401(k)?

Over the years, you may find that you've accumulated a number of workplace retirement accounts.  Did you know that once you reach age 59 1/2, you may be able to rollover a substantial part of your 401(k) into an IRA? Consolidating 401(k)'s, 403(b)'s, 457 deferred compensation plans and Simple IRA's with a single rollover IRA can help simplify your life and help you take better control of your financial future and investment options.

 

One of the main reasons for rolling over your 401k is to gain freedom to choose your investments rather than let your former or current employer decide what is right for you.  How you choose to handle your retirement assets will have a lasting impact on the size of your nest egg and ultimately on the type of retirement you can enjoy.  Any errors on the distribution or rollover could cause serious tax consequences.  Because this decision is so critical, people should seek professional advice before making this decision.  There are several choices investors have when rolling over money from one plan to another.  Since each choice has its own implications, it is recommended that you discuss and compare all potential fees, expenses, commissions, taxes and legal ramifications with your qualified advisor before making a rollover decicion.

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Our representatives work as a team and have on average 15 years of investment and tax experience.  We have the ability to incorporate comprehensive financial planning through our Wealth Management Solution where you can see your entire financial picture to include accounts invested though our firm and outside accounts such as 401(k)'s, bank accounts, mortgages, credit cards and more.