We act as a fiduciary at all times (on fee based accounts), which means we are legally and ethically obligated to put your best interests first when providing investment and financial planning advice.

Our fees are transparent and easy to understand. Depending on the type of account, we provide both fee based (fee is based on assets under management) or the traditional commission type account (a commission is paid on a transaction).  The account size and client need go into deciding which is best for you. Before we work together, we will explain our fees/commissions and how they work. 

We specialize in helping retirees, pre-retirees, farmers, and skilled workers in Lenawee County Michigan and surrounding areas. We also can service anyone in all states with comprehensive retirement, tax, and investment planning tailored to their specific goals.

We provide comprehensive financial planning, including retirement planning, investment management, tax-efficient strategies, Social Security and Medicare planning, risk management/insurance reviews, and estate & legacy planning.

We analyze your savings, investments, pensions, Social Security, and taxes to design a retirement income plan aimed at providing stable, sustainable cash flow throughout retirement, adjusted for inflation and market risk.

We believe that every investment plan should match you — your goals, your comfort level, and your stage of life.

We start by learning about you, your goals, your time horizon and your tolerance for risk. Then we build a diversified portfolio designed to balance growth and protection.

Portfolios are monitored regularly and rebalanced as needed to keep you on track rather than chasing market headlines. 

We look at strategies like tax-efficient brokerage accounts, Roth conversions, smart withdrawal sequencing, charitable giving strategies such as Charitable Qualified Distributions, and coordinated planning with your CPA to help reduce lifetime taxes where possible.

Our process includes an initial discovery meeting, implementation, and ongoing progress reviews so your plan stays aligned with your life stages.

We work with clients in many states through phone, virtual, as well as in-person meetings, making it easy to partner with us wherever you’re located.

Your investment accounts are held at independent third-party custodians, not in our firm’s name. You receive statements directly from the custodian, and accounts are protected by their security protocols and applicable coverage.