The advantages of fee-based financial planning
We offer our financial planning services on a fee basis, much like attorneys, physicians, and other professionals do. We do not earn commissions or profits on any transactions or financial instruments. So you can be sure that any moves we recommend are based on your interests, not ours.
    
What's more, many people feel the 'free' financial plans provided by insurance companies, investment brokers, and similar firms can be slanted toward the products the company offers - away from those it doesn't offer.

We, on the other hand, aren't limited to one company's products or to one financial approach. Your plan can include whatever financial vehicles make the most sense for you.
    
We will be happy to assist you with the implementation of your financial plan or we can recommend other professionals. But your finances always remain under your control.

Employee Stock Options
Studies have shown that most employees lack the training to comprehend the value of their option holdings and the confidence to manage them.  We help our clients respond to this problem by delivering a personalized education, monitoring, & advisory service that will provide you with a greater understanding of your equity compensation package.  It will also reduce the emotional bias from your decisions, and empower you to take timely & prudent action, to maximize the wealth building potential of your option portfolio. 

Comprehensive Financial Planning Services

Risk Management
The best plans are not very sound if they do not have the right safety nets to protect against unexpected or undesirable events.  Our comprehensive financial planning services include a review of all of your insurance coverages to ensure that your assets, income, & loved ones are properly protected.

Employee Benefits
The value of your job goes far beyond the salary you receive.  Retirement plans, insurance, deferred compensation, & stock grants can add significantly to your net worth or income.  We can help explain your benefits to you and develop a strategy to maximize the value of the benefits available to you.

Education Funding
One of the greatest gifts we can give our children is a solid education.  Unfortunately, the cost of a college education comes at a high price.  Thankfully, there are options to help make the goal of a college education more affordable.  We can create a funding approach to suit your needs & objectives.

Asset Management
We can design an investment strategy to meet your particular needs and risk tolerances. An appropriate mix of available investments will be chosen to satisfy required income and growth objectives, while providing flexibility
to deal with unexpected events.

Debt Restructuring
If you're considering refinancing your mortgage, consolidating debts, or otherwise dealing with your debt burden, we can analyze all the options open to you and recommend the most suitable approach.

Cash Flow & Business Planning
If you're planning a major investment in real estate, a business, or financial instruments, we can advise you on the tax implications, the risks and likely returns, and the investment affect on your overall finances.