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

2022’s Investment Lessons

2022 was a unique year, but they ALL are “unique” years in some way, right?  What can we learn from this, and what are the important takeaways to make us better investors?

Here’s what our Head of Financial and Economic Research, Larry Swedroe, had to say about it:

“While each year features new twists on the age-old investment stories, smart investors know how to apply the same basic principles to every event. That’s why one of my favorite sayings is that there’s nothing new in investing, only investment history you don’t know. Last year, however, investors did experience something that happened for the first time in history.”

To read Larry’s 10 investment lessons from 2022, click here to read more, and as always if you have any questions about how this impacts your own retirement and investment planning, feel free to reach out to us.

How To Actually Do Long Term

My wife Vicki and I happily celebrated 20 years of marriage this Spring. As an advisor, my discussions with clients often revolve around categorizing goals as “short-term” and “long-term”; I’m pretty sure 20 years would be in that Long-Term bucket… (and to many of you reading this, 20 years is nothing!)

If you would’ve asked us 20 years ago how those years would play out exactly, we could only tell you something like “comfortable home in a safe neighborhood, a few kids…” and, well maybe that’s it?


Because just like with investing, we can’t know all the details upfront, can we?


The ups and downs of life and raising children, the trials and the tests, the joys, celebrations, and growth… we can’t see it all ahead of time.

I know it sounds obvious, but the same is true with long-term planning/investing. > SEE MORE

Does The Market Care About Your Feelings?

Since the 1970s, economists have measured how consumers are feeling about the financial environment, by asking five questions. How would you answer these today if they were asked of you?:


  • “Would you say that you (and your family living there) are better off or worse off financially than you were a year ago?


  • Now looking ahead–do you think that a year from now you (and your family living there) will be better off financially, or worse off, or just about the same as now?