Living Retirement Better. TM
Objective CFP® Professionals.
Planning, Investing & Taxes
What Makes Us Different
Transparent
From our inception, we chose to eschew commissions on investment product recommendations and serve you in a fully transparent manner. We are a fiduciary, always acting in your best interests. Anything short of this just doesn’t pass the “mom test” in our book.
Proactive
We work with you on a regular basis to monitor and adjust your planning to avoid dangers, identify opportunities, and help you successfully manage life’s transitions. You will never again have to wonder, “When will I hear from my advisor?” We set service expectations and meet them.
Integrated
We have deep expertise in integrating your retirement planning, investment planning, and tax planning into an effective overall strategy to make the most of what you have. Most other advisors focus on product sales or low-level planning at best. Robust planning and objective advice are in our DNA.
Salaried and Smart
Advisors are required to be highly credentialed professionals — generally CFP®, CFA®, or CPA — with 5+ years of experience to be your Primary Advisor. All are salaried, never receive commissions, and are incented for client retention. These combine to ensure that you are well taken care of. If you prefer a board-certified physician with demonstrated expertise in their practice specialty for your personal health, shouldn’t you expect similar for your financial health?
Science Based
Investing and planning are sciences similar to medicine. You expect your doctor to know the evidence supporting the efficacy of alternate treatments to best help you. The same should apply to the financial advice you follow. Our approach to retirement income generation and our investment philosophy are rooted in empirical evidence, time-tested, and aligned to support your financial life plan and protect your lifestyle.
Relationship Focused
When you work with us, you have a dedicated team of professionals – a Primary Advisor, Investment Officer, and Client Service Administrator at a minimum – to serve your needs. As part of our commitment to you, our client-to-staff ratios are regularly monitored to ensure that we have the capacity to provide excellent financial care. We promise to be here when you need us, to actively listen, and to provide sound, objective advice.
Selecting an advisor is challenging. Experience, competency, trustworthiness, and fee transparency are essential. Value received must be more than the cost. So how do you make sure you make the right choice?
Click here to learn more about our NPS Score.
Who We Serve
Clients most often come to us when they get serious about planning for retirement. Over the years, we have found that our clients—while unique and diverse—have similar needs and traits.
Our clients tend to be a lot like we are—ambitious, friendly, generous, and optimistic. They (like we do) value time, transparency, and financial independence; they love their families and have purpose to their lives; they are successful, smart, and wise enough to seek advice from subject-matter experts. They also prefer to stay informed but delegate financial management duties to free up their time and ensure things are done right.
Whether you are at the end of a successful career, or at the early stages of a new one, we can effectively serve you with an appropriate level of services and expertise. Our goal is to help make the most of what you have so that you can gain the financial peace of mind you seek.
Recent Articles & Podcasts
Tax-Aware Investing in Practice
Tax-aware investing means you can have your cake and eat it too. As I set out in the previous two articles, using a combination of long and short positions in your portfolio lets you pursue positive returns while lowering your tax bill. Below are two common situations where tax-aware investing can really make a difference. Continue reading
The Key to Tax-Aware Investing
A well-chosen long-short portfolio can help realize significant tax benefits increase your expected portfolio return, combing to increase your after-tax wealth. Continue reading
Is the Fear of Running Out of Money in Retirement Overblown?
Hear Tyler Emrick, CFA®, CFP®, discuss why non-retirees may be more fearful than needed, the role of Social Security, and how age-based spending patterns contribute to the relative success of sustaining a retirement lifestyle. Continue reading
