Fee Only
Commission-Free
CFP®
Certified Financial Planners
100%
Independent Fiduciary Advisors
Our Services
We help guide you through the most important financial decisions of your life.
Your Goals Deserve a Thoughtful Plan.
Why Work with a Fiduciary?
As fiduciary advisors, we’re not just qualified to guide you — we are bound to do right by you.
Just as importantly, we are independent fiduciaries. That means we are legally and ethically bound to put your interests first—always. No sales quotas. No proprietary products. No hidden incentives. Our loyalty is only to you.
Our loyalty is to you. Only you.
Our advice is objective and not driven by sales, nor would we steer you toward commission paid products.
Our fees are transparent. We have no hidden fees.
We are required to disclose any conflicts of interest.
Our duty is ongoing. We are accountable and build our relationship with you on trust.
Credentials Matter
Thousands of professionals call themselves “financial planners”—but education, credentials, and experience still matter. That’s why we hold the CFP® certification and other respected industry designations.
We didn’t earn the Certified Financial Planner® designation just to add letters after our names. Our firm works only with CFP® professionals because we’ve seen how deep financial education, real experience, and an ongoing commitment to learning make the planning process better.
Steve Beard CFP®, MS
Steve Dunne CFP®, MBA, Ph.D
How We Work
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Frequently Asked Questions
1. Are you a fiduciary financial advisor?
Yes, we act as a fiduciary at all times.
2. How do you get paid?
We are fee only. We don’t sell products or earn commissions. Our fees are transparent and easy to understand.
3. What is your minimum to work with you?
We work with clients who are near or already retired, or younger people starting to plan for their future, and ready to invest with a minimum investment of $50,000.
4. Who do you work with?
We work with a wide variety of people in all professions and stages of life: families, pre-retirees, and young professionals.
5. What services to you offer?
- Tax Planning
- Retirement Planning
- Investment Management
- Insurance Planning
- Estate Planning
- Business Planning
- Divorce Financial Services
6. What happens in our first meeting?
In our first meeting, we get to know each other and you can find out if we are a good fit to work together. We also want to learn more about your goals.
7. How often will we meet?
Most clients meet with us 2-4 times annually, and we are always available to meet more often as needed.
8. How is my money protected?
Your investment accounts are held in a Charles Schwab account — an independent third-party custodians, not in our firm’s name.
9. What is your philosophy about investing?
We ….
10. What are your credentials?
We are CERTIFIED FINANCIAL PLANNER™ Practitioners:
Steve Dunne CFP®, MBA, Ph.D
Steve Beard CFP®, MS