Bour Group

The firm works with individuals and couples across a range of life stages, providing comprehensive financial planning advice on cash flow, debt management, tax planning, retirement, estate planning, insurance and college funding. It also offers group educational workshops and seminars on financial planning topics, but it does not manage client assets, accept custody, or act as a portfolio manager for individual accounts.

The firm’s investment approach emphasizes long-term, buy-and-hold strategies with a focus on asset allocation and diversification; recommendations may include index funds, mutual funds and ETFs while active market timing and individual stock selection are generally discouraged. Clients receive a written comprehensive plan and implementation guidance, and the adviser provides a defined period of implementation support (two months) after plan delivery while clients execute transactions themselves.

Noteworthy distinctions include a fee-only billing model that uses hourly or fixed fees rather than percentage-of-AUM arrangements and a practice of billing after services are completed instead of taking advance payments. The principal draws on a long accounting and financial-planning background (including CFP certification and prior tax practice), conducts occasional complimentary community presentations, and discloses no commissions, referral fees, or material conflicts of interest.