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.

Learn More


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

Learn More


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

Learn More

Viewpoints Commentary

Those Ever-Changing Economic Conditions

It often feels like trying to predict where the economy is going is like throwing darts blindfolded. You can listen to ten different economists on any given day and get ten very diverse opinions on where the economy is headed. And what is happening in your state or hometown is often much different than what is happening in other regions of the country.



Supply and demand are key factors in pricing. Housing costs have increased significantly over the last couple years as we battle the COVID-19 pandemic. Because basic building costs have skyrocketed, homebuyers are looking for existing homes and the inventory is low. > SEE MORE

Inflation, Part Two: What Can YOU Do About It?

In our last piece, we covered the recent uptick in inflation, and what to make of it in a historical context. For investors, it’s important to take a step back and look at the big picture before acting on breaking news. What if inflation does get out of hand, and what’s the best strategy going forward if that were to occur?

The Federal Reserve has been suggesting rising rates should wane. We hope they’re right. But we also know the future remains uncharted. Nearly any outcome is possible, and none is inevitable. This means diversified investing remains our preferred strategy for being prepared for whatever the future holds.


Explaining Inflation Doesn’t Predict It

If higher inflation does materialize, will it arrive sooner or later? > SEE MORE

The Price is Right (Or Wrong?): Inflation Fears

I’ve often said to clients that inflation is one of the biggest risks to a retirement plan’s success. Yet, we don’t fear inflation like many investors fear market volatility—it hasn’t been something to worry about because it has fortunately been so tame for decades now.

However, recent headlines related to inflation are now commonplace. You also might be wondering why your neighbor’s house just sold for a gazillion dollars in one week, or hearing about the rise in lumber prices, and questioning if all this will trickle through to you and your wallet/purse? > SEE MORE