Individuals & Families

We teach our clients want based planning using inductive reasoning. The idea of using traditional need based planning is contrary to what we believe. Every day we start out the day with an idea of what we might need for that day, but it can change in an instant. A phone call with a sick kid, a car accident, a market decline or a winning lottery ticket. We all know which of those are most likely.


When we can’t predict what we need today, how can we deductively plan based on a perceived need or goal in the future? We teach our clients to try to make perfect decisions today, maintaining flexibility and control. That way, WHEN life happens and things change, or the market drops again, we are ready and have already planned for it.


Our goal is never to replace good work that is already being done, or good relationships with advisors. We supplement and add additional resources and education to better our clients’ lives.


There comes a time in everyone’s life where it makes unbelievable, undoubtedly good sense to get a second opinion on the decisions you are making. Whether it is us or someone else, we encourage you to ponder the following questions.


Are there places in my current plan or strategy where financial failure is an option? If yes, where and why?


If there was a way to help remove financial failure as an option and have the same lifestyle now, the same lifestyle in retirement, and leave the same legacy to my family, church or charity, what would keep us from learning about it?

Products and strategies, we help implement and manage include but are not limited to the following:

 • Insurance – Life, Disability Income, Long Term Care
 • Personal and Family Financial Planning
 • Investment Strategies and Portfolio Management
 • Retirement Accounts
 • Fee-based Asset Management
 • Pre-Retirement Planning
 • Estate Planning
 • Trust Services
 • Mutual Funds and Exchange Traded Funds
 • Fixed and Variable Annuities
 • Stocks and Bonds
 • Unit Investment Trusts
 • Charitable Gifts – Giving and Planning
 • College/Education Planning and Funding Design

Designations/Certifications held:

 CFP® – Certified Financial Planner Professional

 ChFC – Charter Financial Consultant

 CLU – Charter Life Underwriter

 CFBS – Certified Family Business Specialist

 RICP – Retirement Income Certified Professional 

BSP – Business Succession Planning