Our answers to interview an advisor.

Client-Advisor Relationship

We are fiduciaries, which means is our duty to put our client's needs first in everything we do.

Registration, Certifications, & Designations

We hold a CFP(R) designation (or series 65 license) and are licensed to sell Life and Health products. We are registered with the SEC as an Investment Advisor representative of Interactive Financial Advisors, which is a Registered Investment Advisory Firm. Both are independently owned and operated.

Experience

We have been in the financial services industry since 2010 and have worked largely with small business owners, entrepreneurs, and retirees. Our clients vary in economic status, race, religion, and sexual orientation.

Services

We provide consultation on estate planning, long-term care, retirement plans, life insurance, disability insurance, and health insurance (including Medicare). Think of us as your source for benefits you would normally get from a large employer but made easy for individuals and small businesses.

Fees

We always do free consultations and try and provide the most value in the initial meetings. If we decide to manage your accounts, we charge 0.5 percent on all accounts we manage with no minimums. Management fees vary from 0.5 percent to 0.95 percent depending on the size of the account. Some clients want just hourly advice and prefer to manage accounts themselves, so we offer services at $300 an hour.

Conflicts of Interest

We have a health insurance brokerage. The life and health industry has not caught up to fee-based planning and are still reliant on commissions. We make sure and contract with every option available and make sure we keep the fiduciary standard when recommending insurance products.

Written Plan

We send out a written summary of recommendations from meetings and provide a fully written financial plan when an executed financial planning agreement is agreed upon.

Meeting Frequency

We hold annual reviews in July with additional meetings anytime throughout the year upon request.

Disciplinary Action

We do not have any disciplinary actions.

Our Battle Born Promise

We always work in your best interest.
We will find you the best solutions based on information you provide.
We tell you the truth.

We care about you.
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