We are fee-based* advisors. We will make sure you understand your fees before we start doing business. By using a fee-based advisor, you remove some potential conflicts of interest that can occur when using a commission-based advisor.

There are no free lunches. If someone is selling you an investment and tells you there are no fees, simply walk away. Ask three questions: What are the fees to buy this investment? How much is the total expense per year to hold this investment? How much is it going to cost for me to sell this investment next week, next year, in three years, etc.? If you do not understand those fees completely, do not make the investment.

If you are investing with a direct provider, you are still paying the ongoing expense ratio of the fund. And we may be using some of the exact same funds. The bottom line is that you wouldn’t work for free and neither do we. We do, however, define exactly what fees our clients pay and the exact services that are provided for those fees. 

Discretionary means that after we understand you, your goals and your objectives, we have the ability to buy and sell investments on your behalf.

It is our policy to work with anyone associated with one of the retirement plans we consult on or with a referral from a client or friend. Call us. If we are not a good fit for you, we will not hesitate to provide you a referral. 

Any investment-related account. If for some reason there is not a good fit to work together, we will refer you to one of the other advisors in our office or practice.

Raymond James has a full-service investment bank that can assist business owners with transition issues, an insurance division to help with key man and succession planning and a host of other programs to address nearly any financial need that may arise.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss.

*In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.