FORM Wealth Advisors

We Manage Money Differently. We help you to plan your cash flow needs 12 to 24 months in advance and then build a cash reserve account to fund those needs in advance. This avoids having to sell long-term investments in a short term down market. Other advisors liquidate assets when their client calls, not realizing the benefit of planning ahead and avoiding the need to sell when the market is down. This is Our First and Only Career. We chose this career, we started in 1998 and in 2016 will each have 18 years of experience. That is more than twice the experience of the average advisor (source: Payscale). We Are Not Going to Retire in Your Retirement. A recent industry survey reports that more than half of the 285,000 advisors practicing in 2014 are over age 55, and predicts that 100,000 of them will retire within 10 years (source: Cerulli Associates). Those advisors will not be there when you need them most-we take a team approach so that someone can always be there for you. We Are a Small Independent Firm-Intentionally. We only add a new client after determining there is a fit with our philosophy and value system, and that we are able to provide that client our attention without impacting our ability to serve our current clients. We are employed by -and work only for-our clients. We believe that advisors who are employed by a financial firm cannot really put their clients' interests first.