Our Philosophy


  • Clarity Is Power.

  • Planning is about peace of mind, not taxes, trusts, probate, etc.

  • You are not immortal.

  • Pay yourself first.

  • Maximize your employee benefits package.

  • Plan for the worst, hope for the best.

  • One of the certainties in life is change; plan for it.

  • Use the government’s money (and your employer’s) whenever you can.

  • Don’t pay taxes on money that you don’t spend.

  • Planning is about doing the right thing at the right time for the right reason with the right tool.

  • Coordinate your Advisors.

  • A plan will not work without ongoing maintenance.

  • Every planning tool has pluses and minuses.

  • Use the available tax laws and strategies to your advantage

  • Don’t defer taxes to a higher tax bracket.

  • Don’t default to the most expensive plan--the government’s. Take action.

  • The financial services industry is designed for those who practice in it, not for those whom it is supposed to serve.