All-inclusive, Tax-focused Approach
Together we design an all-encompassing strategy that takes into account every aspect of your finances.
No Product Sales
We don’t sell any financial products nor do we receive any commissions. We are fee-only financial planners. We are fiduciaries: our complete focus is on what is best for you.
Value for Your Money
We are committed to providing value that exceeds our flat fee.
Open-Door Policy
Financial planning is a process, not an event and we are here for you when you need us. Our approach accommodates regular ongoing reviews of key financial areas, with access, or an open-door, to the advisor when needed.
Our Holistic Process
Financial Review
We begin our engagement with an analysis of your immediate financial concerns, and we provide recommendations to address those specific issues.
Flat-Fee Financial Planning Services
If you require ongoing financial planning services, we continue our engagement by learning more about you. We work with you to ensure that your financial life is meeting your needs, is supporting your goals, and is aligned with your values. We focus our first year of work addressing the core areas of your financial life: goal setting, coordinated investment advice, skillful tax planning, worry-free retirement planning, insurance analysis, lifestyle spending review, and proactive estate planning. In subsequent years – as your financial needs, goals, and values change – we continue our work together by providing ongoing monitoring, support, and maintenance of your financial plan to ensure that it remains current, and relevant.
Goal Setting
Understanding what is important to you is essential when structuring your finances. We work through exercises with you to identify and create plans to achieve your goals.
Coordinated Investment Advice
We will provide you with the objective, unbiased investment recommendations that are based on your personal needs so that you can make the best investment decisions.
Skillful Tax Planning
Taxes are at the core of financial planning. We review all potential tax consequences that can impact your financial security throughout the year.
Worry-free Retirement Planning
Retirement is about money; but it’s more about personal fulfillment and enjoyment. We will help you create a plan to make the most of your retirement years.
Risk Management – Are You Over or Under Insured?
Insurance. There are multiple options for any type of situation and the task of deciding what to choose can be daunting. We will discuss these issues in detail and help you spend your insurance dollars wisely.
Lifestyle Spending Review
We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you gain control over your spending.
Proactive Estate Planning
Estate planning goes well beyond making a will. We will evaluate with you the pertinent estate issues that impact your life and consider choices that you can then implement with your attorney.
Our ACP pledge to clients
HOLISTIC in outlook.
PROFESSIONAL in conduct.
EDUCATIONAL in nature.
INDEPENDENT in compensation.
COMMITTED to your success.
