Retirement Planning

One of the most important components of a secure retirement is the development of an investment plan that is tailored to your individual needs. The task can seem daunting and many investors are overwhelmed at the thought of going it alone.

Our Process

We meet with you to discuss goals, expectations, risk tolerance, and time horizon. We analyze your current financial situation and create an investment plan that will put you on track to meet your retirement goals.  The process doesn't end there as we want to make sure you stay on track.  Overtime, as circumstances in your life change, your investment plan evolves with you to ensure your portfolio, and your overall financial plan, are still in line with your retirement goals.    

Our Philosophy

Financial markets can provide great opportunity for long-term wealth creation, but an investment strategy should be designed to not only harness that opportunity, but also mitigate the risks involved.  We don't “play” with our clients' money.  Our portfolios are based on evidence - evidence of what has worked historically in the markets over the long-run.  We construct well diversified, low-cost portfolios that are in line with your goals, risk tolerance and tax situation.  We also keep you on track by coaching you through turbulent markets and periodically rebalancing your portfolio to keep allocations on target.

Advice should be unbiased and based solely on your needs.  As we are fee-only, we receive no direct compensation from broker/dealers or investment companies for the investments that we recommend to you. Furthermore, we receive no commissions or transaction fees, which allows us to be unbiased in our recommendations to you.   

Your Portfolio

Your portfolio is yours.  We accept our role as a trusted advisor and do not take personal possession of any client assets.  We recommend that clients custody their assets at Charles Schwab & Co. Although we perform the transactions in client accounts, monthly statements are provided to you directly from the custodian so you know exactly what is in your investment accounts and you are informed of all account activity. Full transparency is one of our tenets.  We also provide you with quarterly and year-end reports to illustrate the performance of your investment accounts and we provide information that you can deliver to your tax preparer for your personal income tax returns.