No Minimums

We believe everyone deserves great advice. That's why we offer flexible and affordable solutions, and don't require a minimum investment to work with us.

How We Can Help You

Protect Your Family

Unforeseen events can have a devastating financial impact on you and you family. Shield the people you love from that risk with insurance.

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Plan Your Finances

Work with a qualified professional to create a financial plan that will reach your goals quicker by minimizing your expenses and maximizing your profits.

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Manage Your Portfolio

Let us join your team and together we can design and manage an investment portfolio custom tailored to you and your goals.

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Protect Your Family

No matter where you are in life, it's important to make sure you and your loved ones are protected. We specialize in the following categories of insurance:

Life Insurance

If you want to leave money to care for your family and cover expenses in the event of your death, life insurance may be the right option for you.

Annuities

With annuities, you won’t have to worry about running out of money in retirement, because you’ll be guaranteed a certain income for life.

Long-Term Care

Long-term health issues may not be covered by your regular health insurance plans. Long-term care insurance can help make sure you get the medical care you need.

Disability Insurance

What happens if you become sick or disabled and can no longer work? Loss of income may not only be financially devastating now, but could also negatively impact your long term financial goals. Protect your income with disability insurance.

Plan Your Finances

Design a one-time custom financial plan or begin an ongoing advisory agreement and let us manage your investments for you.

Fee Based Portfolio Management

With fee-based planning you don’t have to worry about recommendations based on commissions because we charge a flat percentage of assets under management. If your portfolio grows, we get a raise. If you lose money, we do too.

Custom Financial Plan

Prefer to manage your own portfolio? For a flat rate, we’ll work with you to create a comprehensive retirement plan that includes an investment and income strategy, Social Security plan, federal benefit recommendations, insurance analysis, estate planning, and more.

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Manage Your Portfolio

How we manage investment portfolios for our clients

1. Set Investment Policy

Using your risk profile, investment timeline, goals, and current resources, our team will establish an investment policy for your portfolio allocation.

2. Monitor

We monitor your portfolio and are alerted any time a change in your account value causes more than a 10% shift from the recommended allocation outlined in your investment policy.

3. Rebalance

We will periodically realign your portfolio according your investment policy on a quarterly, semi-annual, or annual basis, depending on the type of investment.

4. Review and Update

We meet with our clients at least once a year if not more to review progress and discuss account performance.

Our Investment Philosophy

Discipline and behavior are the most important elements of a good investment strategy

Behavior Matters

Let’s face it, our decisions are often driven by our emotions. When it comes to investing, emotions can cause you to make poor decisions. Excitement may cause you to hold on for too long, or fear may cause you to sell at the wrong time. A sound investment strategy is built around consistent behavior and rigorous discipline.

Diversification

If history was an accurate indication of future results, historians would be some of the richest people on earth. Chasing last year’s top performing assets may be fun and exciting, but it’s not always the most logical approach.On the other hand, both a logical and emotional case can be made for broadly diversifying your portfolio.

Long-Term Perspective

You wouldn’t get out of your car and start walking just because you hit some traffic, right? In the moment, it may seem like walking is a better option, but we know that sticking it out will eventually get us where we want to go much faster. Along the same lines, you shouldn’t abandon an investment just because it’s not currently performing well. There may be other reasons to change your strategy, but it shouldn’t be because of an emotional reaction.

Why Work With Us

Customized to Your Needs

With our personal services, you don’t have to worry about getting lost in the crowd or wasting your time at a seminar covering retirement factors that don’t even apply to you. Every part of your financial plan is created just for you, according to your specific needs and goals.

One-on-One Consultations

Ask all the questions you want in your one-on-one consultation. Your federal benefits specialist will take all the time you need to go over your options and identify the right steps to take toward meeting your goals.

Avoid Costly Mistakes

With all the complications involved in the federal benefits system, it’s no wonder that many Federal Employees are unpleasantly surprised when their first retirement check arrives. Getting advice from a federal benefits specialist can help you avoid costly mistakes when planning for retirement.

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