Financial Services That Really Serve You

We're not like the financial advisors you're probably used to. We take a completely different approach to wealth planning and asset management.

We don't aggressively uncover your assets and push a one-size-fits-all solution to your financial situation. Instead, we put you first--we get to know you, your family, your life and lifestyle. Then we give you the benefit of our experience and expertise and work with you to build and manage your wealth. We specialize in multi-generational planning so that the entire family stays informed and involved.

Our reputation's based on the difference we make in our clients' lives. We're dedicated to delivering financial services to you with confidence, character and commitment above and beyond the competition.

If you like who we are and our way of doing business, then we invite you to consider working with us.

When you engage us for your Total Wealth Management, we walk you through three crucial steps, all built around Your Financial House®, the most client-focused wealth management program in the nation:

Step 1. Create the blueprint for Your Financial House, which gives you the kind of comprehensive financial planning you deserve.

Step 2. Build Your Financial House, which may include any of the materials listed below, and possibly others, depending on your unique situation.

Step 3. Advise you whenever it's time to remodel, renovate, or otherwise make improvements to Your Financial House.

Step 1. Create the blueprint for Your Financial House, which gives you the kind of comprehensive financial planning you deserve.

Before we even talk about money and potential returns, we work with you to put a financial blueprint in place that details your quality of life not only today but for the future. It includes you and the people in your life, as well as how those relationships impact your finances. It helps you answer such crucial questions as,

• "Will I have enough money to retire?"
• "If I retire, will I be able to maintain or even improve upon my current quality of life?"
• "Will I outlive my assets?"

Your Financial House brings all aspects of financial planning under one roof, encompassing estate, education, business, and retirement planning, plus insurance review and recommendations and an assessment of your risk tolerance. We have honest conversations with you about your lifestyle, your expectations, and the results you need to achieve so you can have the quality of life you want now and in the future.

Step 2. Build Your Financial House, which may include any of the materials listed below, and possibly others, depending on your unique situation.

Because we're independent wealth consultants, we don't represent any single financial product or group of products. Instead, we're able to shop around and advise you about the products that will be the best building materials according to your financial-blueprint specifications. We also connect you with any "subcontractors" (for example, money managers or insurance specialists) who are needed to complete the job.

We handle every aspect of your financial life--

• Comprehensive Asset Management Accounts, also known as Separately Managed Accounts
• Mutual Funds and Index Funds
• Individual Stocks and Bonds, including tax-exempt, corporate, and government bonds
• Domestic and Foreign Securities
• Variable and Fixed Annuities
• Insurance, including life insurance, long-term care insurance, disability insurance, etc.
• Alternative Investments, such as hedge funds and managed futures
• Trust Services,* including recommendations for types of trusts and advantageous changes or moves within existing trusts
• Mortgage Services** any time you need financing or it makes sense for you to refinance

--and we coordinate your financial blueprint, as well as the building process, with every other key professional who works with you, including your CPA, estate attorney, corporate attorney, or anyone else who assists you in your financial life.

Of course, your total wealth management isn't over when Your Financial House is built. That means we work with some of the best money managers in the business, stay on top of the market, watch mortgage rates, look for better insurance choices for you, and more--so you don't have to. We conduct a formal review with you once a year, but our door is always open for conversations about any aspect of Your Financial House.

In other words, we put you first. We give you financial services that really serve you.