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ABOUT

Tailored asset management and financial planning designed around your specific needs. Our process helps you identify and formalize your financial goals. We then develop a specific investment and savings strategy to help you achieve each goal - all while adhering to the principals of fee-only financial planning and minimizing costs.

"A goal without a
plan is just a wish."

To overcome this quaint truism, we insist upon adhering to three simple steps:

PROCESS

The process of identifying goals and developing strategies is easier than you may think. We believe it is a critical step in your success so we begin every engagement with a brief interview. For many clients our involvement may only extend to two or three goals, for example, saving for retirement; saving for a child's college tuition and saving for emergencies. The degree of granularity is entirely up to you. Once goals and strategies are documented we will implement the individualized investment strategy - this includes monitoring, reporting and strategy modifications as needed...

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INVESTMENT STRATEGY

Our investment policy includes four general principals:

1. Use low cost ETFs to achieve broad diversification.
2. Implement tax sensitive strategies where possible.
3. Use bond portfolios to target specific cash-flow needs.
4. Seek to minimize draw downs through technical analysis where appropriate.
 

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PRICING

Our pricing it developed to be simple, transparent and low.

Simple:
Single Tier Investment Management and Separate Planning

Transparent:
Our only compensation is from you, we receive no commissions or revenue sharing from third parties.

Low:
Investment Management: 0.85% - 0.65%
Goal Management: $79 per month

SERVICES
PROCESS
STRATEGY
PRICING
Tax Diversification: Why You Need a Roth IRA  /  03.14.2014

If tax rates stay the same and you expect to earn less in retirement then it makes sense to contribute to tax deductible retirement accounts.  Think of a married couple filing joint (MFJ) returns with an AGI of $200,000.  In 2014 their marginal tax rate is 28%.  Using the same tax table, a similar MFJ couple with an AGI of $73,000 would pay at a marginal rate of only 15%. Read more…

Quick Guide to 529 College Savings Plans  /  02.24.2014

The 529 plan is a tax-advantaged savings plan designed to encourage saving for future college expenses.  In future posts I’ll cover strategies for super-charging college savings.  But for now, let’s cut to the chase and list the unique advantages of the 529 plan:

History: 529 refers to the section of the IRS code that defines Read more…

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