We believe that each client is unique and that we are qualified to collaborate with you to find answers for all of your financial questions and develop solutions for your problems.
We stand for excellence and expertise. You can expect to receive unwavering support, reliable guidance, dependability, and fairness.
We bring you a thorough knowledge of best industry practices, government regulation, and real-world practicalities to create comprehensive, flexible, and cost-effective plans.
We believe that continuing education is critical. Our Registered Investment Advisor and broker/dealer, Commonwealth Financial Network®, offers us multiple opportunities to stay abreast of industry changes, technology changes and product changes through online courses, our annual three day fall meeting, and the summer “roadshow” they take to several cities across the country each year. In addition, we are personally committed to earning professional designations to be able to bring the best possible skills to solving each client’s concerns. Here are explanations of our professional designations:
CFP® (CERTIFIED FINANCIAL PLANNER™ professional). To earn this designation, each candidate must pass a rigorous exam offered by the CFP Board of Standards. Our planners have earned this designation after taking seven courses offered by the American College of Financial Services, starting with an overview of the financial planning process and moving on to cover investments, insurance planning, estate planning, and income taxation. Every two years, CFP® professionals must complete 30 hours of continuing education that have been approved by the CFP board.
ChFC® (Chartered Financial Consultant®). To earn this designation, each candidate must complete the same seven courses that are required by the American College of Financial Services for the CFP® designation plus two additional courses of his or her choice in areas, such as behavioral finance, financial planning for families who have dependents with special needs, or financial planning for clients who are divorcing.
RICP® (Retirement Income Certified Professional). To earn this designation, each candidate must take three courses offered by the American College of Financial Services, each relating to managing income streams in retirement, one of the most challenging aspects of each client’s retirement plan. The courses cover the details of every possible source of retirement income, and the expenses that can most significantly impact financial plans, including health care, long-term care, and taxes.