♦ Individual Managed Accounts — We help open brokerage accounts for our clients, assist in identifying appropriate investment strategies, and implement those strategies. Accounts are held at TD Ameritrade Institutional, which provides clients with low costs and modern technology.

♦ Private Investment Opportunities – As an independent firm, we have access to private investment opportunities that frequently provide clients with better long term risk adjusted returns than people may encounter through a national firm. These products provide better ways to invest in the stock market, residential real estate, and commercial real estate.

♦ Financial Planning — Although many professionals call themselves either a “financial planner” or “financial advisor”, only CFP® professionals have completed extensive training and are held to the highest ethical, fiduciary, and education standards. Our advisors help clients make optimal decisions related to cash flow, debt management, income tax, estate, retirement, insurance, and investment planning.

♦ 401(k) and Other Retirement Plan Services — We provide investment advice to plan sponsors and participants of small and medium size businesses. As a Registered Investment Advisor, we can serve as your plan's 3(38) Investment Manager and Fiduciary. We will construct and oversee your plan's investment lineup and Investment Policy Statement, provide model portfolios for participants, education for participants, as well as 1 on 1 personalized advice. Our services typically provide a significant upgrade to plan and participant services and oversight, yet routinely reduce and provide more transparency on costs.

♦ Entrepreneur/Small Business consulting and assistance — Our advisors have a unique skill set which allows us to directly advise and assist entrepreneurs, first stage, and second stage companies form and grow. Our principal is also an attorney with years of experience of working with small businesses. We help with everything from business plans, consulting, contracting, and advice to helping develop financing plans and fundraising strategies. Just as with individuals, our goal is to help our business clients grow and reach their fullest potential.

We like our clients having a financial plan. Every investment and financial plan starts with your goals in mind. We will help you crystallize your objectives, and create a dollar and date specific timeline for achieving these objectives. Once we have clearly defined goals, we will construct a well diversified portfolio designed to meet your objectives. We will then have periodic reviews together to track your progress towards your goals and to maintain perspective during difficult times. This process can be summarized in 4 steps:

1. Have a goal

2. Maintain a balanced and diversified portfolio

3. Minimize costs

4. Focus on the long term

♦ CLEAR COMPENSATION. We do not receive commissions for selling securities, and we do not represent a broker-dealer. Nor do we take soft dollars from brokerage firms or advertisers. We do not take kick-backs. We do not take referral fees. We want to grow with you, not at your expense, and we work hard to make sure our interests are aligned with yours as fiduciaries. Depending on the client's needs, we are typically compensated in the form of a management or hourly based fee.

♦ CLEAR INDEPENDENCE. We are not associated with any other investment managers or companies who dictate the investments we recommend to you. We use a third party custodian, TD Ameritrade Institutional, a division of TD Ameritrade, Inc., to possess our client’s funds and to clear trades. You have full access to your account, and maintain control over it at all times.

♦ CLEAR COMMUNICATION. We attempt to cut through industry jargon by simplifying data and listening to your interests and needs as it relates to your financial goals. We develop clear financial plans, explain those plans, and stick to them until change becomes necessary.