Investing for Today and for the Future 

My goal is to provide investment strategies that offer my clients a greater likelihood of achieving their financial goals with the least disruption along the way. 

I provide professionaly managed portfolios of individual stocks, as well as portfolios of carefully selected mutual funds, exchange traded funds, annuities, and real estate investment trusts. 

To implement investment strategies, I use LPL Financial's award winning professional money manager platform, as well as offer personally managed portfolios.  LPL Financial provides access to over 150 of the nation's top institutional money manages, such as Goldman Sachs, BlockRock, JPMorgan, Capital Group, First Trust, State Street Global Advisors, Morningstar, LPL Research, and many others.

The LPL Financial Model Wealth Portfolios advisory platform has won the Money Management Institute/Barron's 2022 Industry Award for Wealth Management Platform of the Year.

The award honors wealth management firms whose investment advisory platform exemplifies innovation in delivering better outcomes for investors and financial advisors. *

All recommendations are individually tailored to the client's unique circumstances, goals, tolerance for risk, and time horizon, and are monitored continuously.

The result is a thoughtful, coherent, well-diversified strategy to help clients work towards their goals. 

Should client circumstances change, such as an addition to or change of goals, retirement, health issues, inheritance, death of a spouse, divorce, or a change in the investment environment, the client's financial plan and investment strategy would be reviewed in collaboration with the client and appropriate changes recommended, if needed.

How I Get Paid

I charge a flat fee for my investment advisory services which range from less than 1% to 1.50% depending on the size of the investment account and the professional money manager(s) that are selected.  The minimum account size is $250,000.  Accounts can be aggregated to meet the minimum and qualify for a lower fee.  I have found that a flat fee approach rather than a tiered-pricing schedule provides a lower cost and better value for the client.

I also receive commissions on some investment and insurance products when they are in the best interest of my clients.  The rationale for such recommendations is fully disclosed. 

I have found that remaining open-minded and independent towards all types of investment strategies allows me to serve the best interests of my clients and fulfill my responsibility as a fiduciary to my advisory clients.  Wall Street Journal - There's No Such Thing as Conflict-Free Financial Advice

If you would like a review of your portfolio to determine whether your investments and investment strategies are in sync with your financial goals, I can help.

I provide a complimentary consultation either by phone, Zoom conference, or in person.

Please click HERE to reserve your complimentary consultation.

Investing in mutual funds, ETFs, and real estate investment trusts involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective. 

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.

* Model Wealth Portfolios (MWP) are centrally managed fee-based portfolios constructed by LPL Financial Research. Investment choices include mutual funds and exchange-traded products (ETPs). The portfolios benefit from ongoing monitoring, rebalancing, and tax management services implemented by the LPL Financial Overlay Portfolio Management Group.

There is no assurance that the Model Wealth Portfolios are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principle.

Money Management Institute, Barron's and LPL are separate entities.