Are you a Fiduciary?
Yes. When providing advisory services, I act as a fiduciary—meaning I am legally and ethically obligated to put my clients’ interests first. This includes acting with care, loyalty, and transparency, and providing advice that is aligned with your goals, risk tolerance, and overall financial situation. I believe trust is the foundation of a successful long-term advisory relationship.

How do you get paid?

Compensation depends on the type of services and solutions we agree upon. In many cases, I am compensated through advisory fees based on assets under management. In other cases—such as insurance or certain investment products—compensation may be paid by the product provider. All fees and compensation are fully disclosed so you understand how I am paid before moving forward. 

What services do you offer?

I provide comprehensive financial planning and investment guidance tailored to your individual needs, including:

• Retirement planning and retirement income strategies
• Tax-efficient investment planning and coordination with tax professionals
• Investment management based on your risk tolerance and time horizon
• Estate planning coordination and referrals
• Life insurance planning for individuals and businesses
• Ongoing financial guidance through life transitions
• My goal is to help align your financial decisions with your long-term objectives.

How often will we talk?

At a minimum, we will meet semi-annually to review your portfolio, financial plan, and any changes in your life or goals. Additional meetings are always available as needed, particularly during major life events or market changes.

How do you measure success?

Success is measured in two ways:

Progress toward the goals outlined in your personalized financial plan and how your investments perform relative to their intended objectives and market conditions

Rather than focusing solely on short-term performance, I emphasize long-term consistency, risk management, and achieving the outcomes that matter most to you.

Who holds my investments?

Client assets are held by Cetera Investors or, in the case of insurance products, with the issuing insurance companies. Your assets are always held in your name—not mine—and you maintain access and visibility at all times.

Can you help during a market downturn?

Yes. Many investment strategies are designed with risk management and downside protection in mind. In addition, my 32 years of experience allow me to help clients navigate both market declines and market advances with perspective, discipline, and planning—rather than reacting emotionally to short-term volatility.

How do you help manage risks like divorce or lawsuits?

I help identify potential risks and work with appropriate strategies and professional resources to protect assets where possible. This may include coordination with legal professionals, insurance solutions, and asset-allocation approaches designed to help reduce exposure to certain risks.

When should I start planning for retirement?

As soon as possible. The earlier you begin planning, the more flexibility and options you generally have. That said, meaningful planning can be done at any stage, whether you are years away from retirement or already retired.

Who do you typically serve?

Most of my clients are pre-retirees and retired individuals who want clarity, confidence, and structure around their financial lives. I work with people who value thoughtful planning, long-term relationships, and personalized advice. 

What are the first steps to working together?

The first step is a scheduled meeting where we get to know each other. We’ll discuss your goals, concerns, and financial situation, and I’ll answer any questions you have. From there, I develop a customized financial plan designed around your unique needs and objectives. 

Do you have a minimum investment amount?

Yes. My minimum investment amount is $25,000. 

Where is my money held, and how can I access it?

Assets are held at Cetera Investors or with insurance companies, depending on the solution. You can access your accounts online, directly through the issuing companies, or by contacting me for assistance at any time.

Will you help with broader financial concerns beyond my portfolio?

Yes. I am available to discuss broader financial questions and can also refer you to trusted professionals within my network—such as tax, legal, or estate planning specialists—when appropriate.

How many clients do you serve, and are they like me?

I maintain a manageable number of client relationships so I can provide personalized service and ongoing attention. While every client’s situation is unique, most share similar goals around retirement readiness, income planning, and long-term financial security.