Frequently Asked Questions

What is financial planning?

Financial planning is the process of meeting your life goals through the proper management of your resources. A comprehensive plan may address emergency savings, risk management (health, disability, life and long term care needs), asset management, accumulation goals, retirement, college, tax and estate planning.

Do I need a financial plan?

We believe everyone needs a plan. Life is getting more difficult and complicated. People are living longer, pensions are going away, the future of Social Security and taxes is uncertain, health care costs are skyrocketing, and wages generally aren't keeping pace. People who plan tend to have a much higher likelihood of success and happiness!

Should I seek the advice of a professional?

You have to ask yourself if you have the discipline, time and know-how to put together a comprehensive financial plan and then monitor it on a regular basis. If the answer is no, you need a financial planner.

What is the best way to find a financial planner?

You can start by performing an online search of firms in your area. A good website should give you insight into how a planner works with their clients including what products and services they offer. From there you can research a potential advisor by initiating a broker check on You will be able to review their work record including any complaints. From there you may want to interview two or three advisors before making a final decision.

How do we get compensated?

Depending on your needs we can be compensated with commissions, asset management fees and/or an hourly rate. We are happy to educate you on the services available to you and how we get paid.

How much money do I need to have to work with you?

We work with clients who have over a million dollars and those who are just getting started. 

What is the next step?

Call the office to set up a FREE one hour consultation. This is a great way for us to get to know each other and to see if we are a good match.