No Commissions (“Fee-Only”), Truly Independent Advice

We are independent, “fee-only” financial advisors guiding our clients to lead fulfilling lives in their retirement years. We are on our clients’ side in a close, caring relationship filled with plain-spoken advice and experienced perspective. We help people move past financial conflicts and complexities to a place where they can gain financial peace of mind.


Through the years, we’ve been helping individuals and families find their financial way.

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We embrace evidence over emotions — because hopes and hunches are no way to prepare for financial freedom.

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We’re here for you: Advising you and your family, advancing your goals, enriching your relationships.

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Viewpoints Commentary

Your Retirement Income Strategy

If you are like us, you plan and hope for a retirement unhindered by financial worries. Plan as we might, we all will at some point encounter the unpredictable during our retirement. Strong income planning and a buttoned-up strategy for cash flow going into retirement will help give you flexibility when the inevitable surprise pops up, allowing you to weather incoming storms and enjoy a successful retirement.


The Age-old Question: Do I Have Enough?

Making the change from saver to spender is a financial and mental hurdle that must be addressed to be in tune with your financial life. There is no magic switch to flip to make this transition easy. However, creating a spend-down plan and paycheck replacement strategy will help you map out your path. > SEE MORE

Stimulus 2.0

What You Need to Know About Stimulus 2.0

After nearly six months of back-and-forth negotiations, and in response to the economic hardship that many Americans face from the ongoing COVID-19 pandemic, Congress proposed a new, $900 billion relief package.

Many elements—like stimulus payments and PPP loans—will sound familiar from earlier this year.

However, debate surrounding certain provisions in the economic stimulus and relief package has intensified since it left Congress, and as of this posting, President Trump has yet to sign the bill.

Luckily, should it become law, few measures in the whopping 5,593-page bill require prompt action before the end of 2020. Nevertheless, extensive media coverage has prompted questions regarding how it will affect you and your family. To help offer some clarity, here’s a high-level breakdown of six important provisions in the bill you need to know about. > SEE MORE

From Gold Watch, To Smartphone

The infamous “gold watch”.

We’ve been working with investors and especially retirees for many years now, and we sometimes joke about how if you retired many years ago you may have received a pension and a gold watch. Have you heard of this?

Have any of you actually received a gold watch for retiring? As a confession, we’re not sure that after all these years we’ve ever seen or heard of a client having one of those watches. Maybe once, a while back? If you have, please let us know because we’re beginning to wonder if they actually existed.