My Clients


The best time to start planning 
for retirement was yesterday

Second best is today

The worst is tomorrow.





It is never too early to start planning for retirement, but the longer you wait, the harder it is to catch up.  From my experience, the biggest impact on somebody's financial life is when they are five to ten years away from retirement.  Often, they have already accumulated significant assets to work with and have enough time left to make the adjustments that are needed.  After that, my abilities to make a real difference start diminishing.

Family birthday party around dining table for grandmother.


Many of my clients are decades away from retirement, so much of my planning tends to be more hypothetical.  As life events happen (marriage, birth, job transition), I will develop investment strategies designed to help generate wealth so we can more clearly anticipate what their retired life will be like.


For this reason, I do not have a minimum amount of assets requirement.  I want to work with you to help you get where you want to go.



Fee-Based Versus Commission-Based

There has been a lot of discussion and controversy surrounding which approach is best: fee- or commission-based?  There is a simple answer to that:  Whichever is best for the client.

There is no such things as “one size fits all” in my practice.  Many factors come into consideration when deciding which approach suits your unique needs, and this is the approach we will use.