Integrated Financial Coaching and Planning

The firm provides financial planning and investment management to individuals, families, high‑net‑worth clients, and small businesses, and offers a limited Financial Fitness Review engagement for shorter, focused consultations. It operates as a fee‑only adviser and manages client assets held at independent custodians, providing ongoing oversight and, where authorized, discretionary trading authority.

The investment approach is centered on strategic asset allocation using broadly diversified, no‑load mutual funds and exchange‑traded funds, periodic rebalancing, and occasional factor tilts (such as size, value, and profitability) rather than market timing or individual stock selection. Research is drawn from fundamental analysis and third‑party sources, with portfolios constructed to align with each client’s goals and risk tolerance under a Modern Portfolio Theory framework.

Notably, the firm does not use the common percentage‑of‑assets fee model and instead bills primarily through fixed, tiered annual fees, a billing structure that can produce materially different client outcomes compared with AUM‑based firms. The brochure discloses that the firm discontinued its financial coaching services and that the principal now provides business and life coaching through a separate entity as an outside business activity, and it also describes participation in a custodial program that provides third‑party benefits to the adviser.