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Celebrating Over 35 Years of Service

When was the last time your financial advisor looked at your tax return?

Helping clients pursue their life goals is what we are about.


Fiduciary Advice

We are a team of Certified Financial Planner licensees and qualified planning staff.  We provide simple,proven strategies that seek to help our clients make the most of their money while they pursue their goals.

Clear Vision & Direction

We specialize in providing investment and tax advice for clients seeking financial independence and security.

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Wealth Management You Can Trust

The Big Picture

You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?

We'll ask you lots of questions, including:

  • What does your ideal life look like? 
  • Will you be able to retire with the lifestyle you want? 
  • Who is deciding what happens to everything you’ve accumulated when you die—you or the state? 
  • Are you funding your child’s education at the expense of your future? 

When was the last time your financial advisor looked at your tax return?

We specialize in personal income tax 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. 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
  • Structuring income from investments to manage your tax bracket
  • Maximizing qualified plan and IRA contributions

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.

The hardest thing to understand in the world is the income tax. -Albert Einstein

Your Portfolio Management And Financial Planning Solutions

We offer a broad range of portfolio management and financial planning solutions customized for your specific needs, goals and life stage.  We apply a clear, well-defined and objective process.  Below is a cross-section of wealth management issues that our clients commonly encounter.  

Key Portfolio Management Factors

  • What is the current risk level of our total investment portfolio?
  • Does our current portfolio meet our lifestyle needs? How might we reposition our investments to meet our lifestyle objectives?
  • What is our net annual return in dollars and on a percentage basis?
  • How much are we paying annually for investment advice?
  • How tax-efficient is our investment portfolio?

Planning For Retirement

  • How soon can we afford to downsize our careers or elect to fully retire and reasonably be expected to maintain our standard of living throughout our retirement years?
  • Now that we are finally reaching our retirement years, how should we modify our investment plan to provide more stability and higher income at the expense of higher growth and volatility.
  • What assumptions are prudent to make about inflation, rate of return on investments, longevity?

Financial Management During Retirement

  • How much can we draw annually from our investment portfolio to supplement other sources of retirement income, while still making sure that our portfolio value keeps up with inflation?
  • What are the optimal choices to make for required minimum distributions from our retirement accounts prior to reaching age 70 1/2?
  • What investments should I spend first in retirement – taxable or tax-deferred retirement assets?
  • Should we consider long-term care insurance? What are the key factors to consider?
  • My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?

401(k) Plans Were Supposed To Be A Benefit

For employees. For companies. Employees could grow their retirement, tax-deferred. Companies providing these plans were seen as generous -- caring for employees and providing a vehicle to help them plan for a secure future.

Somewhere, somehow, the 401(k) plan seems to have lost its way.

Dominated by huge financial services companies, filling fund lineups with high-fee, proprietary funds, the 401(k) benefit became a burden, difficult to understand, and even more difficult to navigate. Those fees, masking everything from record-keeping to broker compensation, complicated matters, making it difficult to see the true costs of managing the plans.

Using our innovative approach, the 401(k) may work better again, meeting the needs of both plan sponsor and plan participant.

There are several distinct advantages to our approach to 401(k) plans:

Assistance With Fiduciary Requirements For Plan Sponsors

Cost Effectiveness
Focus on Fee Transparency
Unbundled Specialists

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Your Money. Your Unique Journey.

Navigating Your Financial Road Map: Where Are You?

Building a Foundation

Just married. New job. Baby. Home purchase. When it comes to finances, you just want to know where to start and where to go from here. You want technology efficient platforms but the ability to talk to someone who knows you, your situation and also knows what they are talking about.

Enjoying my Earnings

You made it. As an established professional, you’re reaping the benefits of a flourishing career and may have kids near or at college-age. Perhaps you’ve been through the financial planning process before, or maybe you’ve procrastinated getting started. Regardless, now is the time to ensure your financial plan is working efficiently or help you create one that will.

Living on my Accumulation

Accumulating a nest egg through savings, inheritance or other means can greatly improve your financial well-being when coupled with sound financial advice. Right now, you may be concerned about maintaining your lifestyle, preserving what you have and protecting yourself against unknown risks. Navigating financial independence can get tricky in regards to all the moving pieces, but it does not have to be if you have someone helping you.

Maybe you are here, maybe you are someplace different. How can we help?

Greg Lucas, CFP® Photo

Greg Lucas, CFP®

Matt Page, CFP®, CRPS®, CAP® Photo

Matt Page, CFP®, CRPS®, CAP®

Todd Hadley Photo

Todd Hadley

CFP®, E.A.
Savannah Richey Photo

Savannah Richey

Financial Planning Specialist
Laura Jobe Photo

Laura Jobe

Operations Specialist
Paola Quintero Photo

Paola Quintero


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Get In Touch

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.