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.
Keep Your Umbrella Handy
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
A Look at Whole Life Insurance
Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
Term insurance is the simplest form of life insurance. Here's how it works.
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
A few strategies that may help you prepare for the cost of higher education.
Bitcoin has emerged as a digital currency that exists virtually, making it different in fundamental ways.
Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
Knowing the rules may help you decide when to start benefits.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator can help you estimate how much you should be saving for college.
Estimate how much income may be needed at retirement to maintain your standard of living.
This calculator will help determine whether you should invest funds or pay down debt.
This questionnaire will help determine your tolerance for investment risk.
Estimate how much you have the potential to earn during your working years.
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.
Principles that can help create a portfolio designed to pursue investment goals.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
There are some key concepts to understand when investing for retirement
Estate conservation is too important to put off. Do you have a smart exit strategy?
Pundits say a lot of things about the markets. Let's see if you can keep up.
If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
Why are 401(k) plans, annuities, and IRAs so popular?