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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
Acres of Diamonds
In life it often happens that the answers to our most pressing questions are right in our own backyards.
Mutual Funds vs. ETFs
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
How to Make the Tax Code Work for You
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
Here's one strategy that combines two different annuities to generate income and rebuild principal.
Most stock market analysis falls into three broad groups: Fundamental, technical, and sentimental. Here’s a look at each.
Four vacation destinations you might never have thought of.
When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
Five creative (and inexpensive) ideas for motivating your employees.
Do you understand these common mobile slang terms?
This calculator demonstrates the power of compound interest.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator can help you estimate how much you should be saving for college.
Estimate how much you have the potential to earn during your working years.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are some key concepts to understand when investing for retirement
A presentation about managing money: using it, saving it, and even getting credit.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Learn more about taxes, tax-favored investing, and tax strategies.
Around the country, attitudes about retirement are shifting.
When do you need a will? The answer is easy: Right Now.
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.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
It’s never a bad time to speak with your financial advisor about changes in your situation.
Women must be ready to spend, on average, more years in retirement than men.