Financial Planning is a process that generally addresses all areas of an individual’s financial life and helps to create a road map to achieving your financial goals. We do this by a series of appointments to create a written financial plan with specific recommendations that are unique to your needs. Areas that are addressed include cash flow management, asset allocation, investment selection, risk management, income tax planning, employee benefit planning, stock options strategies, retirement planning, education planning, estate planning, and business succession planning.

Successful investing is more than just skill. It’s also about behavior. Many individuals are comfortable managing their own investments when the stock market is performing well. When the market declines, however, many investors find themselves uncertain on how to react and frequently make investment decisions that they later regret. Investment management is the process of hiring a professional to make investment decisions on behalf of a client.  By working with an investment professional, portfolio volatility can frequently be reduced.

• Discretionary investment management exists when a client signs a limited power of attorney authorizing a financial advisor to purchase and sell various investments in the client’s brokerage account.
• Non-discretionary investment management does not involve a limited power of attorney, therefore the financial advisor provides recommendations to a client for approval prior to each transaction being initiated.

Fee-Only Advisors are paid solely by their clients which reduces conflicts of interest and increases transparency. With no commissions, referral fees or 12B-1 fees to cloud their judgment, advice is more objective. Fee-Only advisors have a Fiduciary  responsibility and must act in the best interest of their clients.