We believe the purpose of financial planning is to create an effective balance of today's needs as well as long term goals. We meet you to clarify your current situation. We collect and analyze all relevant financial data - assets, insurance policies, wills and benefit plans.

We work with you to identify and define your financial and personal goals. Identify financial road blocks and develop a written financial plan to address your needs and goals.

We use a disciplined, long-term approach to financial management, enabling us to assist you in managing your financial portfolio in an objective and predetermined manner. Three simple principles are the bases of our investment strategies: 1. Safety, 2. Liquidity, and 3. Flexibility.

1. Safety of your portfolio is one of our prime objectives. To minimize risk, we diversify your investments so as not to put all of your eggs into one basket.

2. Liquidity means that a percentage of your portfolio is investments that may be turned into cash immediately should the need arise.

3. Flexibility allows you to move your money into the right place at the right time.

We consider hundreds of investments on your behalf and carefully select those that meet your financial objectives. We believe in a buy and hold, but not a buy and forget philosophy.