We help families communicate openly about money, set a vision for the future, and make progress towards their goals.

We are fee-based fiduciaries who always put your best interest first.

One of the keys to reaching financial goals is understanding your money-related mindset. We use tests based on over 40 years of research to help you identify your financial strengths and challenge areas.

Your behaviors and experiences impact long-term financial success. That is why we listen to your concerns and collaboratively create a plan.

Financial planning is a process, not a destination. If you become a client, we ensure you are getting consistent, reliable advice.

We leverage technology and meet virtually with many clients. Above all, we provides clarity, direction, and accountability.

Wealth Management

Looking for a trustworthy advisor who puts you first? We fit the pieces of your financial puzzle together, working closely with you towards solutions. Real financial planning happens where your money and values intersect.

Concierge is a complete wealth management solution; it includes both investment management and holistic financial planning services on an ongoing basis. The Concierge model is ideal for families interested in long-term relationships with an advisor who truly cares. Money does not define you but is rather a tool to accomplish your objectives. Our research-driven approach to investing means we avoid market timing. We seek your approval prior to investment implementation and hold your investments at a nationally recognized, independent custodian. Plan on meeting approximately four times in the first year of our professional relationship and two times annually thereafter. 

Financial Planning Concepts (in ABC Order)

CASH FLOW MANAGEMENT 

Do you have a budget and are you adhering to it? Are you unsure which specific financial goals to tackle first? We will establish a new cash flow plan for your family or tweak your existing budget.

EDUCATION PLANNING 

Want to send your kids or grandchildren to private grade school or high school? Which education funding vehicles are optimal? WorthyNest® goes beyond college funding and analyzes other education needs, too.

EMPLOYEE BENEFIT REVIEW 

Health, disability, and life insurance benefits through your employer can be confusing. Acronyms like HSA, FSA, and HDHP will be explained. Retirement plans can be equally confusing. We empower you to make informed decisions about the percentage to defer and underlying investment elections.

ESTATE PLANNING 

What happens if you are disabled or no longer living? Wouldn't it be nice to have a say in how things are handled if you can no longer make key decisions? You want to live intentionally, and legacy is an important part of that intention. We will work with your existing estate attorney or recommend a new one to ensure you have estate documents that properly reflect your goals.

INSURANCE ANALYSIS 

What amount of insurance do you need? How often should you revisit it? If you're a business owner, we cover your bases with key man insurance. We will connect you with an independent insurance agent if a coverage change is merited.

INVESTMENTS 

When will you need to draw on investment accounts, and how much risk can you take? What percentage of stocks and bonds should you have in each investment account? Can you invest in positions that align with your values? WorthyNest® covers these items and more with our investment management services.

TAX PLANNING AND CHARITABLE GIVING

How does asset location impact investment planning? What are the tax implications of a Roth IRA conversion? How can you maximize dollars going to charity? We, has over ten years experience advising families and small business owners about taxes and charitable giving strategies.