Good planning and hard work bring success, but hasty speculation leads to ruin. - ancient proverb

…to you is to provide timely, accurate and consistent guidance customized to your needs so that you are empowered to make informed decisions about your resources. Your best interest is our priority, literally! Services we render are under a fiduciary standard, which we heartily agree with. We render services on a fee-only basis, meaning we do not accept commissions or payments of any kind from promoters (e.g. brokerage houses) or producers (e.g. mutual fund or insurance companies) of financial products. We are compensated directly by our clients for the knowledge and expertise we render.