Our team of CERTIFIED FINANCIAL PLANNER™ professionals is knowledgeable, reliable and passionate about empowering our clients and their relationship with money. We bring a diverse set of talents and areas of focus. We use a collaborative approach in caring for our client families, meeting weekly to discuss what’s happening in their lives and finding ways where our individual strengths can most benefit their unique situation. This way, our clients get the best of us all.
Larry loves to explain difficult concepts simply. He is often collaborating with clients on their business transitions, estate planning aims and investment decisions.
Brenna has a knack for helping clients develop tangible steps to meet their goals. Her focus is proactive tax planning, goal funding and long term forecasting.
Katherine encourages clients to ask, “What if?” She helps to answer questions around cash flow organization, retirement planning and risk assessment.
They prefer to spend life focusing on their families and careers, rather than sorting through the increasingly difficult and complex world of personal finance. They entrust us to be a part of their team.
We are proud to work with our clients across decades and generations. It’s not uncommon for our conference room to fill with two or three generations, all collaborating, all on the same page.
We are privileged to serve clients from all backgrounds, but a large portion of them fall into one of the three P’s: physicians, professors and public employees. In addition, we serve a number of small business and farm owners and quite a few retirees.
We work every day to earn and maintain the trust of the clients we are privileged to serve. We actively seek ways to make their lives better and genuinely enjoy helping.
They recognize the value of their time – and our expertise. In our work together, we strive to create clarity through customized planning and empowerment through ongoing education.
We genuinely enjoy and respect our client families. We look forward to seeing them and go out of our way to find opportunities to make their lives easier.
When choosing an investment, there are a wide range of figures and numbers you can consider before making a decision. Things can get more complicated when you consider that you, other investors and professionals will put varying levels of emphasis…
Whether you have $100 or $1,000,000, you want to see your investment grow. Ideally, you would like to see that money grow a lot without the investment risk. Unfortunately, the risk/return tradeoff concept in investing tells us that greater returns…
The 29th annual Retirement Confidence Survey (RCS), conducted by the Employee Benefit Research Institute (EBRI) in 2019, found that two-thirds of U.S. workers (67%) are confident in their ability to live comfortably throughout their retirement years (up from 64% in…
The popularity of investing in index funds has been gaining interest in recent years. Index mutual funds are not a new concept – they have been available for over four decades, and exchange-traded funds (“ETF”) for more than ten years.…
The Tax Cuts and Jobs Act (TCJA), which passed in December 2017, made fundamental changes to the U.S. tax code, and 2018 returns were the first time most taxpayers could see the practical impact of these changes. In an April…
It may not be as dramatic as laid out in several worst-case scenarios, but intensification of tensions doesn’t appear to be a positive. (On a historical basis generally, restricting trade typically doesn’t enhance prospects for either side, long-term.) While the…
Paying tax is an unavoidable reality of life. While tax dollars may fund important social programs, infrastructure, and services throughout society, that knowledge doesn’t always soothe the burn left behind by a big tax bill. Capital gains tax (tax that…
Most Americans will eventually receive Social Security and Medicare benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release lengthy reports to Congress that assess the health of these important programs. The newest reports, released on…
As predicted, yesterday’s FOMC meeting ended with no change in policy, with all members on board with keeping the fed funds rate within a range of 2.25-2.50%. The formal statement was very little changed, noting continued strength in the labor…
The IRS recently issued its annual list of tax scams. The list highlights various scams that taxpayers may encounter, many of which occur during tax filing season. Here are some of the scams that are highlighted on the list. Phishing…
One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. With an actively managed portfolio, a manager tries to beat the performance of a given benchmark index by using his or…
At its meeting on March 20, 2019, the Federal Open Market Committee (FOMC) maintained the benchmark federal funds rate at the target range of 2.25% to 2.50% that was set in December 2018. This in itself was not surprising. But…
This time of year finds many of our client families vacationing somewhere near the equator. When they return home, they sometimes bring back more than just a tan, returning as an owner of a timeshare and unsure of whether or…
