Your goals are the driving force behind the financial guidance we offer. As independent advisors, we select the products and strategies that are right for you. Our recommendations are designed to reduce your risk to maximize your returns. Our thorough process ensures that your plan is customized to meet your specific needs and goals. Our philosophy is simple, though it's a radical departure from most financial planning: Reduce Risk to Maximize Returns Secure Downside Protection For Our Client's Money Use Insurances, Rather than Simply Promising Assurances Only Create & Recommend "Relative" Plans We cannot continue doing business the way most advisors have in the past, e.g. taking significant risks without adequate protection. We further understand that investors cannot afford another 10-year period like the last -- and that’s exactly why we'll keep doing things exactly as we have for the past 20 years. We'll continue to create plans designed to protect our clients, knowing they do not have the time, energy, or money to remake what they’ve lost. They need to be protected while at the same time stay ahead of inflation and enjoy their retirement through financial independence.