Frequently Asked Questions

We believe in transparent, aligned fee structures. As fiduciary advisors, our interests are completely aligned with yours.

Our specific fee arrangements are discussed during your consultation based on your unique situation and service needs. We believe you should understand exactly what you're paying for and why.

This approach ensures we're focused on your success, not on selling products or generating transaction fees.

Just bring yourself and any financial documents you have. Our first meeting is about getting to know each other and understanding your goals and concerns.

We'll have a conversation about your financial situation, goals, and what's keeping you up at night financially. If we decide to work together, we can discuss specific questions and information we'd need for the next steps.

There's no pressure and no obligation. We want to make sure we're a good fit for each other before moving forward.

Experience: Bob and Dan have 60+ years of combined experience navigating multiple market cycles. You'll work directly with experienced financial advisors.

Personalization: Every strategy is custom-built for your unique situation. No cookie-cutter solutions or spreadsheet formulas.

Relationships: We build professional friendships, not just business relationships. We care about your family's success as much as you do.

Independence: As an independent firm, we're not tied to proprietary products or corporate sales quotas. Our only agenda is your success.

We believe successful investing isn't about beating the market every quarter. It's about understanding your unique situation and building strategies that align with your values and long-term goals.

Our approach is built on five pillars: Family Business Excellence, Generational Investing, Professional Friendships, Personalized Solutions, and Enduring Rewards.

We focus on creating wealth that serves your family for generations, not just maximizing returns in any given year.

Families we work with typically maintain diversified portfolios, but the right allocation depends entirely on your unique situation - your goals, timeline, risk tolerance, and other financial resources.

We don't believe in generic age-based formulas like "100 minus your age in stocks." Your allocation should be based on when you need the money, how you'll feel during market downturns, and what other income sources you have.

That's why we take the time to understand your complete financial picture before making any allocation recommendations.

With 60+ years of combined experience, we've lived through multiple market cycles and understand that volatility is a normal part of investing. The key is having a plan and sticking to it.

We build portfolios with your risk tolerance in mind, maintain appropriate emergency reserves, and use disciplined rebalancing to take advantage of market movements rather than fear them.

Most importantly, we're here to talk you through difficult periods and keep you focused on your long-term goals when emotions are running high.

The answer depends on much more than just your account balance. We help you answer this question by looking at your complete financial picture, including:

• Your expected expenses in retirement
• Social Security and pension benefits
• Healthcare costs and insurance coverage
• Your desired lifestyle and activities
• Legacy goals for family and charity

We create detailed projections and stress-test different scenarios to give you confidence about your retirement sustainability.

The optimal claiming strategy depends on your health, financial needs, spouse's benefits, and other income sources. There's no one-size-fits-all answer.

We analyze your complete situation to determine whether claiming early, at full retirement age, or waiting until age 70 makes the most sense for your family's overall financial plan.

For married couples, we also consider spousal and survivor benefit strategies that could significantly impact your lifetime benefits.

Estate planning isn't just for the wealthy - it's for anyone who cares about their family's future. Even with modest assets, proper planning can save your family time, money, and emotional stress.

Basic estate planning includes having updated wills, powers of attorney, and healthcare directives. As your wealth grows, more sophisticated strategies become valuable.

We help families at all wealth levels create appropriate estate plans that reflect their values and protect their beneficiaries.

We typically meet with clients formally twice per year for comprehensive reviews, but we're always available when you have questions or concerns.

You'll also receive regular market updates, portfolio statements, and proactive communication about any strategies or opportunities that may benefit your situation.

Most importantly, we're just a phone call away. Professional friendships mean being there when you need us, not just during scheduled meetings.

Yes. As a family business, Bob and Dan are personally involved with every client relationship. You won't be handed off to junior advisors or account managers.

While we may have support staff for administrative tasks, all investment decisions and strategic planning discussions involve Bob and Dan directly.

This personal attention is one of the key advantages of working with an independent, family-operated firm like ours.

Step 1: Initial consultation to get to know each other and understand your goals and concerns.

Step 2: If we're a good fit, we'll conduct a comprehensive analysis of your current situation and develop initial recommendations.

Step 3: Present our findings and recommendations, answer questions, and refine strategies based on your feedback.

Step 4: Begin implementation of agreed-upon strategies with ongoing monitoring and periodic reviews.