Our approach to investing and financial planning is straightforward: we focus on becoming your partner in building the future you desire. As we work together, we will thoroughly explain the investment strategies recommended so that you'll be fully comfortable with all aspects of your investment program. Additionally, as we work with our clients, we believe in a more transparent financial planning environment where our clients understand how and when we receive commissions. While most of our financial planning and investment process is carried out on a fee basis*, there are times when we receive a commission instead – mostly when dealing with insurance planning. We believe transparency and trust are the keys to the outstanding relationships we have built with our clients over time.
*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.
