Broker Check

Why Are We Different?


Many investors struggle with managing their own investments, understanding legal and tax matters, and having an overall coordinated financial plan. They are not sure if their asset allocation or the risk tolerance is correct or when to adjust their portfolios and why.  Many react to the media and end up overreacting trying to time the market.  While this works once in awhile, statistics show trying to time the market does not work…losing opportunity and being subject to one’s own emotions rather than a logical plan. 

Even with the use of a broker that you have a good personal relationship with often does not improve your investment returns.  Many financial advisors have a conflict of interest by charging transaction fees, commissions, or by selling their own product.  They may not be free to truly do what is in the best interest of their client due to licensing or company rules.

In addition, many advisors are trained in a narrow area of competency and expertise involving product knowledge in the areas of investments or insurance only, rather than overall financial and estate planning. 


The solution to these important financial issues is to work with an independent financial advisor who has experience and education backed by professional credentials such as CFP®, ChFC®, or MBA that they work on a “fee” basis.  Independence provides objective, unbiased advice rather than what is being influenced by their corporate directors or transactions that generate commissions.  A “fee-based” advisor works in your best interest because the value of your account affects their compensation, putting you both on the same page.

One additional consideration in selecting a financial advisor is whether their firm is a Registered Investment Advisor (RIA).  This means that they are registered with their state or the Securities Exchange Commission (SEC), and can legally call themselves a financial planner, as well as they are treated as a fiduciary, and must give you advice that is in your best interest…not just sell you a suitable product. All financial planners must legally give you the required Form ADV Part II disclosure about themselves and background, while other advisors don’t necessarily have to give you this disclosure.  Only financial planners can legally charge a fee for financial planning advice.    

The problem with historical financial planning is your plan is similar to your IRS tax return - it's a snapshot in time.  To update it takes manual adjustments and time to organize statements and data.  Wouldn’t you like a dynamic financial plan that is updating daily on an ongoing basis with current values, alerts, and graphs?  Utilizing the most advanced integrated technology and software available allows your planner or advisor to network all of your assets wherever they are… into one comprehensive plan that is up-to-date every 24 hours.  It can provide your net worth or asset values online anytime that you need.  What this means is… if something changes in your plan…it can be adjusted quickly and accurately so that you can make better financial decisions. 

In addition, you will become financially organized with all of your important documents in a safe, confidential, secure “online vault” that stores such things as past financial reports, wills, trusts, deeds, insurance policies, and a host of other important documents in one organized, secure location that is  accessible from most anywhere via the internet.  This makes staying organized, tracking, proactive analysis, reviews, alerts, and communication much easier and in real-time. 


  • Independent advice from professional, experienced financial planners with independent relationships with reputable firms. 
  • Fee-based, fiduciary planning and investment management, rather than transactional suitability commission based potential conflicts of interest
  • Highly credentialed, educated, and experienced professionals
  • Uses cutting edge technology providing up-to-date and integrated financial plans
  • Quarterly portfolio reviews
  • Annual personal reviews
  • Integrated financial analysis and planning
  • Coordination of financial issues with other professionals