Financial Services Group

The firm provides comprehensive financial planning and investment advisory services to individuals and to sponsors of retirement plans, including 401(k), profit‑sharing and similar plans. It is an employee‑owned registered adviser with a single principal owner and delivers both individual planning and plan‑level consulting services such as plan design, implementation and participant education.

Investment management is offered exclusively on a non‑discretionary, fiduciary basis, with the adviser consulting clients prior to each trade and custodians holding client assets. Portfolio construction emphasizes strategic asset allocation and the firm’s “Dominant Benefit” classification, using a multi‑asset, multi‑style, multi‑manager approach that can include traditional and non‑traditional asset classes and proprietary fundamental analysis.

Notable distinctions from many peers include the adviser’s dual industry roles: it is dually registered as a registered representative of a broker‑dealer and operates as a licensed insurance agent, and it discloses receiving commission income in addition to advisory fees. The firm also uses alternative billing arrangements (including hourly and retainer arrangements), highlights pension consulting and participant education as core services, and maintains policies that it will not accept discretionary trading authority or vote client proxies.