Holistic financial planning is an ongoing process, not an event. It focuses on your goals, integrates all areas of your financial life, recognizes how your beliefs and attitudes impact the financial decisions you make, and adjusts as your circumstances change. Our down-to-earth approach provides you with practical, insightful financial guidance and reduces the stress that financial planning can cause. As fee-only financial advisors, we sell no products and receive no commissions. Instead, you pay us an annual retainer that covers all our meetings and full access to us at no additional charge whenever you have questions or your circumstances change. Knowing in advance exactly how much you are paying for advice and understanding that your advisor is only working for you brings substantial peace of mind.