Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a financial plan, it's easier to make financial decisions and stay on track to meet your goals.

Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner™ professional if you:

• Want to better manage your finances, but aren't sure where to start
• Don't have time to do your own financial planning
• Want a professional opinion about the plan you've developed
• Don't have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning
• Have an immediate need or unexpected life event

Working with Phil or Marcus can give you confidence that you have an adviser who cares about you, your family, and protecting your wealth.  Phil's 35 years of industry experience have given him a proven lens on financial affairs. Marcus has a fresh perspective while maintaining the discipline that has helped our clients for decades.

Investments – We are a fee-based practice. The fee is taken directly from the account and is based on a percentage of the account.   Fees and charges are agreed upon in advance.

Financial Planning - This is a retainer fee for all planning/advice services rendered—usually for a year. Fees are based on the assets and complexity involved.  This includes all meetings, phone-calls, and access to Phil and Marcus and staff as often as needed.