Why Trust Us?

We are a Fiduciary with over 35 Years of Actively Managing IRA & Taxable Accounts!

• • We are legally and ethically required to put your interests first, always.
  • Independent Registered Investment Advisor (RIA), not a typical sales-driven stockbroker with incentive-based quotas working for a brokerage firm or insurance company, pressured to sell proprietary, commission-based products.
  • Fee-only: no stock commissions, upfront or back-end mutual fund loads, or annuity trails.
  • Unlike fee-based advisors, we have no compensation incentives that could conflict with what’s best for you.
  • We sit on the same side of the table and invest our own money alongside yours, so we win when you win.

Professional Custody Through Altruist

• Your assets are held and managed at Altruist, a custodian built exclusively for independent advisors/you.
• Altruist accounts are SIPC-protected for securities up to $500,000 per customer and for cash up to $250k.
• No annual custodial fees and no transaction fees on stocks, ETFs, or mutual funds.
• One simple, transparent advisory fee of 0.10%–2.00% annually, tiered and billed monthly.
• Three portfolio models tailored to your goals, time horizon, and risk tolerance.

Institutional-Level Access

• Our clients have access to institutional mutual funds with minimums of $5 million, typically unavailable to individual investors, giving you elite-level access with zero transaction costs.

Risk Management Comes First

• Actively managed portfolios focused on capturing upside while managing downside risk.
• While most strategies require staying fully invested even during a bear market or recession, we actively manage risk to help accomplish your retirement goals.     
• When risk is high, we can move defensively—even into cash—to preserve your capital.

Simple, Supportive Onboarding

• Open your IRA or brokerage account online, quickly and securely, with convenient electronic statements and confirmations.
• Ongoing support is always available—in person, by phone, or by email—whenever you need us.