Our Philosophy


We are committed to working for our clients. Our clients want more, expect more, and deserve more expertise and service than the norm. Specifically, we specialize in protecting and preserving our client’s financial asset base. We believe that results are accomplished by helping the client to set goals that include:

  • Securing the asset base
  • Quantifying the effects of inflation
  • Managing risk
  • Recognizing cash flow requirements
    Create and implement a plan to help meet vital cash needs prudently.
  • Reducing taxes
    Aggressively explore all alternatives available to help reduce income, capital gains, and estate taxes.*
  • Maximizing the transfer of wealth
    Control is the ultimate objective. Many alternatives are available, and proper selection can help assure that your heirs are protected to your satisfaction.

Balancing Books

* Our firm does not provide legal or tax advice. Be sure to consult with your own legal and tax advisors before taking any action that may have tax implications.

Managing risk is more important than maximizing gains. We believe you should never invest in anything that you are uncomfortable with or that you don’t understand. While we would prefer to live in a world without risk, this preference simply does not conform to the real world. Therefore, we use risk management techniques and tools to reduce the following risks.

Risks to Avoid and Manage

  • Principal Risk
    The risk of losing all or part of the monies originally invested.
  • Inflation Risk
    The risk of purchasing power being diminished as the cost of goods and services increases thereby the value of assets and income.
  • Interest Rate Risk
    The risk of being unable to invest the proceeds of a fixed income investment upon maturity into other fixed income assets having a comparable interest rate. The risk is created by the possibility of a future drop in market interest rates.
  • Liquidity Risk
    The risk of being unable to sell investments quickly without having a major impact on the price of those investments.
  • Repayment (Credit) Risk
    The risk that a company will be unable to make interest and principal payments.
Guarantees are subject to the claims-paying ability of the issuing insurance company. Fixed annuities may not be for everyone. There are fees and expenses associated with fixed annuities that may not be apparent with other fixed income investments. You should make sure you fully understand the annuity before purchasing the product.