Our first priority is helping you take care of yourself and your family. Being independent aligns our priorities to put you first.  We work for you rather than represent a brokerage firm or an insurance company.

As fee-only advisors, we are paid by you, period.  There are no commissions, revenue sharing, or third-party money changing hands.  When looking for an advisor, you will find three different business models, and we are fee-only.

1. Commissioned: paid for selling financial products.
2. Fee-based: a mix of commission and fee.
3. Fee-only: 100% commission free, to effectively eliminate conflicts of interest.  This is the most transparent and pure form of payment.

As a fiduciary, we are legally obligated to act in the best interest of our clients.  Most firms and advisors are held to a lower standard or they can be fiduciaries some of the time.  We are fiduciaries all the time.