We are a full service SEC registered financial planning and investment management firm. We offer intentionally below average costs, full financial planning and consulting, and are fiduciaries for our clients. Most importantly, we listen carefully to our clients to understand what their unique circumstances are. Only then do we see if we can add value or identify blind spots. We Don’t: Have minimums Believe any question is too dumb to ask Charge commissions or transaction fees Have or sell proprietary products Push high cost funds or annuities Day trade