Why we do it? Other financial advisors might consider us backwards. We view our service in a different way. Most firms will tell you what they do, how they do it, and then leave it to you to figure out why they do it, but you never really get a sense of why. We start with the why. Why we do this is simple:
- We grew up with families and friends who are not wealthy. They did not have access to inside information or inheritances so they had to work.
- Most have worked long hours and days to provide for their families because they realized what was important. It was not the accumulation of money for its own sake, but to protect their family's future and to enjoy the time together.
- Some are veterans who have served this country for many years with the understanding they would not be rich with money but rich with the knowledge that they should be secure in their financial futures, just as they had helped to secure this country's future.
- Or they worked for institutions that promised to provide pensions and health care for life so they could enjoy the later years, not worrying about chasing paychecks, but chasing grandchildren.
Most media outlets and institutions would have you believe it is more than that, but really it is simple. We understand that there are two assets that are more important than money, and that is family and time. We understand that so we treat them both as you would, because that is what we believe.
How? How we do this is by providing the highest quality advice, information, services and products available. We can do this because we are independent and not restricted by mandates and quotas that the average person, who is not in our business, does not see.
What? What we are happens to be independent financial advisors.
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Getting a Head Start on College Savings
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Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
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One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance.
You taught them how to read and how to ride a bike, but have you taught your children how to manage money?
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Determine your potential long-term care needs and how long your current assets might last.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
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With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Use this calculator to estimates your income tax liability along with average and marginal tax rates.
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The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Learn more about taxes, tax-favored investing, and tax strategies.
Are you ready for retirement? Here are five words you should consider.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
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What does your home really cost?
Recent changes in estate tax laws could affect the strategy you have in place.
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.