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Behavioral Financial Advice
Our only priority is helping you achieve success financially. 95% or more of what you read, see, or hear about investments is attempting to predict what is going to happen. This is a fool's errand. What matters most is your spending, saving, and investing behavior. Vanguard researched the potential value added by an advisor in 2016. Their study measured the potential value added stating,
"Based on our analysis, advisors can potentially add about 3% in net returns" ~ Vanguard research, 2016
The study also explained where the 3% potential additional returns could be found. An additional 1.5% of net returns could potentially be achieved through an advisor's behavioral coaching.
Each of us has a unique money script from which we operate. According to a Money Magazine study conducted in 2014, 70% of married couples argue about money; ahead of fights about household chores, togetherness, sex, snoring, and what's for dinner.
The Smart Money Philosophy
The Smart Money Philosophy is about having a personalized plan that addresses you as a person and your life needs for money- expected and unexpected, embracing the certainty of uncertainty.
Single, Divorced or Widowed
Facing new financial decisions can be stressful and overwhelming. Let us help during this difficult transition.Learn More
Start here if you are single, divorced, or widowed
From immediate needs to long-term goals, we help you prioritize your objectives with cohesive strategies.Learn More
Start here if you are a family
As you build your career, we help you determine how to manage your wealth and maintain a healthy cash flow.Learn More
Start here if you are a professional
Juggling business ownership and your personal finances isn't easy. We can help you stay on track.Learn More
Start here if you own a business
Six Most Overlooked Tax Deductions
Six overlooked tax deductions to help manage your tax bill.
Keep Your Umbrella Handy
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Events on Wall Street
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.
This checklist can give you a quick snapshot of how prepared you are.
One of the most common questions people ask about Social Security is when they should start taking benefits.
In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”
Individuals have three basic choices with the 401(k) account they accrued at a previous employer.
A change in your mindset during retirement may drive changes to your portfolio.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator shows how inflation over the years has impacted purchasing power.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
This calculator helps estimate your federal estate tax liability.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Determine your potential long-term care needs and how long your current assets might last.
Learn more about taxes, tax-favored investing, and tax strategies.
There are a number of ways to withdraw money from a qualified retirement plan.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Investment tools and strategies that can enable you to pursue your retirement goals.
Do you have causes that you want to support with donations? Here are three tips.
How does your ideal retirement differ from reality, and what can we do to better align the two?
You’ve made investments your whole life. Work with us to help make the most of them.
What does your home really cost?
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
Have you found yourself suddenly single? Here are 3 steps to take right now.