A simple framework for our

time-tested, evidence-based investment beliefs.

Markets are efficient. Respect the evidence: it is enormously difficult to consistently “beat” the market.

Simple models outperform expert forecasts.

Use factors to improve expected returns.

Choose investment risks thoughtfully.

Avoid market timing: rebalance systematically.

Diversify meaningfully across asset classes, approaches, and geographies.  No big bets.

Costs matter; seek out low-cost investments. Only pay up for active share.

Taxes matter. Always consider tax-advantaged accounts and strategies.

Build a portfolio you can trust, then ignore the noise.

Our Disciplined Wealth Portfolios℠ are managed according to the covenants of Modern Portfolio Theory (MPT) and adhere to four key elements: 

Strategic asset allocation as our core philosophy as opposed to a tactical or dynamic allocation approach

A commitment to broadly diversified, global portfolios with passive or passive-leaning underlying investments

Strong adherence to Nobel Prize-winning academic research that has identified certain risk "factors" for which investors might expect to earn a higher return over time

Use of low-cost underlying investments whenever possible

Let's Discuss

Our knowledge and insight into the stock market enables us to craft an investment portfolio uniquely tailored to you. Through ongoing collaboration and monitoring, our team is able to discover new avenues for you to invest your wealth and accomplish your goals. In addition to managing your investments, we’ll educate you on the rationale behind each investment decision so you’re well-versed in the logic of our approach.  

When you work with us, we will:

Identify Your Short- and Long-Term Objectives
As these objectives change, we’ll strategically adjust our approach according to the current state of the market so you continue to generate returns. 

Determine Your Optimal Risk Tolerance
Through a series of questions, we’ll pinpoint the exact amount of risk needed for you to achieve your goals and remain confident in our services. 

Follow a Timeline That’s Right For You
After outlining your objectives, we’ll design a strategy that aligns with your optimal timeline for achieving your returns.  

Whether you’re five years away from retirement or 20 years away from retirement, we’ll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment. 

Our retirement planning services involve:

Meet and Greet

This is the time meet with one of our coaches and mutually gauge whether the client and coach can work together. If it feels like a good fit, we will partner together to reach your financial goals.

Building your financial foundation is the beginning of creating your Plan. We implement a comprehensive, process - driven approach to retirement planning. We guide our clients down the path to a better financial strategy with an analysis of goals and needs.

Our process is thorough, yet simple:

1. Assess the readiness of our clients to retire in the future given their current lifestyle and assets.
2. Develop strategies to get our clients closer to their goals. This process is on-going and continues throughout the lifetime of the plan.
3. Through asset optimization we can create a financial strategy that lasts as long as you do.

Discovery Interview

We will provide you with coaching pertaining to your situation. In our Discovery Interview, we will gather data and identify your current financial situation and examine your philosophy, attitude and behavior in handling your money. 

We will help you prioritize where your money should be going.

Feasibility Study

In our Feasibility Study we will see which recommendations make sense and implement our agreed upon strategies. 

You will be receiving the following reports:

• Social Security Timing Report
• Tax Clarity Report
• Portfolio Diagnostic Report
• Portfolio Cost Analysis Report
• Lifetime Analyzer

Once we input your data into the Emoney Software, we get a 360° view of your current situation. It helps layout where you are today and what your future may look like. We can then make adjustments to lead you toward your financial goals. In the asset optimizer phase, we bring all your non-qualified assets together to create a tax efficient plan for your future.

Portfolio Diagnostic Report

The Portfolio Diagnostic measures your current investment information. The purpose of this personalized Portfolio Diagnostic is to help you understand how various mixes or styles of investment portfolios may have performed in the past.

The Plan

We then complete a written plan of action and create your own personalized financial strategy. Every year, we will notify you that your annual review is approaching. It is important to meet and make adjustments as needed. The objective is to keep your plan on-track and in alignment with your goals.

Remember, your financial strategy is a movie and not a snapshot. It is always changing. Therefore, we are committed to your long-term success and want you to create a life that you love.

You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. While it’s hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That’s no surprise when tax laws change every year—even in years when no major tax legislation is enacted.

How much of that money is yours? Wouldn’t you rather see those funds in your bank account or put aside for your retirement or other financial goals?

Do you want to reduce your tax burden? Do you want to increase your assets? We can help!

We specialize in personal income tax preparation and planning and will identify the tax-saving approaches that apply to your situation. We work with you throughout the year, not just when it’s time to prepare your return.

Do you want to find out how you can reduce your tax burden?

You might be able to save on taxes by:

• Restructuring your investment portfolio to produce a higher after-tax return
• Shifting income to dependents in a lower tax bracket
• Claiming appropriate home office deductions
• Maximizing qualified plan and IRA contributions
• Identifying all the deductions that apply to your small business

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals. As personal income tax specialists, we will help you aggressively pursue every deduction you are lawfully entitled to.

It’s not how much you make in life, it's how much you keep. Insurance is crucial, no financial plan can be complete without considering the risk of loss. Insurance products are specifically designed to mitigate the many risks we all encounter in life. As experienced professionals in evaluating insurance needs and products, we help design and implement insurance policies that suit each individual’s needs. 

IF YOU WANT TO PROTECT YOUR WEALTH, PROPER INSURANCE PLANNING IS A MUST.

At its core, insurance shifts your risk to others. You purchase insurance to protect yourself from an unlikely financial loss you cannot afford to sustain. Insurance spreads pooled risk among all those insured. As a necessary risk management tool, insurance by its nature costs more than it pays in benefits. You should have the right coverage which is neither too little nor too much.

You’ve worked hard to provide for your family and build your wealth, so it’s important to make sure you’re protected when life’s unexpected events occur. This is where proper insurance planning and risk management come into play. This is a critical component of any comprehensive financial plan.

Do you want to find out how you can properly protect your loved ones and property?

·        Disability/Income replacement

·        Premature Death (life insurance)

·        Illness (long term care and health insurance)

·        Auto/Home and Umbrella Liability insurance

·        Specialty insurance for business owners

·        Estate and Trust Services