Making An Appointment

Appointments are available on any normal business day and may be scheduled by calling our offices. We schedule appointments for the hours between 10:00am and 4:00pm.

Length of appointments vary by topic and complexity. Most appointments take between 1 and 2 hours. Shown below are items you should bring with you for your appointment.

Financial Planning Appointments

• Tax Returns for the previous 2 years
• List of savings and investments for both retirement and non-retirement assets (recent statements if possible)
• Insurance Policy values
• Current expenses and debt (mortgage, car loans, credit cards, etc.)

Retirement Planning Appointments

• Tax Returns for the previous 2 years
• List of non-retirement savings and investments (recent statements if possible)
• Insurance Policy values
• Current expenses and debt (mortgage, car loans, credit cards, etc.)
• Retirement asset values (IRA, 401(k), 403(b), annuities)
• Social Security Statement of Estimated Benefits
• Pension figures from your employer (if applicable)

Financial Planning Appointments

• Individual income planning
• Planning for a small business
• Estate and legacy planning

Wealth Management Questions and Answers

• How are clients selected?  Our firm accepts clients on a case-by-basis according to their needs and their fit with our investment philosophy.
• Where are assets held?  For your protection and convenience, all assets are held by a nationally-recognized third-party custodian. We recommend (and almost exclusively use) Charles Schwab & Co. for our clients dut to the excellent prices, service, and paper trail. However, if your account cannot be transferred, we can use a different custodian.
• What other services does the firm offer?  We provide financial planning, tax planning, and preparation, and retirement planning as well as wealth management and investment advisory services. We do not provide insurance or legal services, but can work in tandem with these professionals and refer you to reliable people if you do not already have relations.
• What is the fee structure?  Our fees for wealth management services are 1% of assets under management each year. Other services are at our hourly rate.
• Are there any other fees?  A small commission fee is usually charged per transaction by the custodian. We have no control over this fee, as we are not affiliated. Our firm regularly reviews Schwab and other custodians to determine the best price and service level provided to our clients.
• Where can I find more information on the firm?  We are registered sith the Securities and Exchange Commission (SEC), and our firm's CRD number is 121666. We encourage you to read our filings by going to their website at http://www.sec.gov. A printed copy of our form ADV can be provided on request if your prefer.