EDUCATION

Creating realistic and achievable financial plans

Like teachers we feel that education is the key to advancement and freedom. The uneducated consumer is an easy target for poor quality and high cost investments. Their planning is often unrealistic or non-existent. They make decisions based on emotional reactions or they allow others to make decisions for them; often to their own detriment. By focusing on educating our clients we have the privilege of working with individuals who can define realistic goals and work with us as a team to achieve those goals. They develop effective long-term financial habits and understand what they are doing and why. They make decisions based on a rationally thought out process that they understand.

EMPOWERMENT

Continuous education to understand financial instruments

One of our main goals is to assist our clients in continually growing their knowledge of financial markets and instruments.  We work to have an evolving conversation in which the client’s insights and knowledge builds.  Through this process clients may start as someone with little to no knowledge of how investment vehicles work.  However, over time they become surer of their decisions and grow more confident in their long-term plans.  We want our clients to feel confident in our services and we want them to know why they feel this way.

TRANSPARENCY

Evaluation and accountability of fees and details of accounts

Most people have no idea what they are paying for their investments or how they work. Product sales representatives work to hide this. They often do not discuss key product features like surrender charges, insurance charges mixed into the investments, and conflicts of interest with their proprietary product line. We work in a manner where these conflicts do not arise but also make sure that our clients know how we are paid and where they can see this. We are clear about all product features and limitations as part of the process of matching our clients with the right product for their needs.

FREEDOM

Individualized goals and necessary steps to reach financial freedom

Because we do not utilize proprietary products our clients are free to come and go from us as they please. With one signature our clients can remove us from their accounts and become their own advisor or obtain a new one. They don’t even need to tell us. This generally doesn’t happen, but the point is that we maintain our clients through our service and asset management. Our client relationships are built on mutual respect and appreciation. We work hard to maintain our clients and our clients know that they are not stuck with us or committed to us for any minimum amount of time.

INDEPENDENCE

Always working on your behalf

We have no affiliation with any product producing company.  We are independent advisors acting on behalf of our clients.  Because we produce no products and are not beholden to any company that does, we represent our clients in all actions and transactions and not a financial company.  We research all the options available to you through your district and match you up with the product that makes most sense for you.