The common perception is that Financial Planning is just about money, but at The Advisors Group, we approach things a little differently.  We work from a Life Planning approach, where we view money as a tool to achieve your personal and family financial life goals.

A Long-Term Relationship

In our experience, our best work happens with individuals and families who work with us over a long period of time, including multiple generations. We celebrate your joys, stand beside you through your losses, and help you thoughtfully navigate the circumstances of your life to determine the best path forward—both for today and for the future as it unfolds.

Our Planning Process

Although no plan can eliminate risk, prevent unforeseen events, or guarantee a particular outcome, thoughtful planning can help you anticipate potential challenges and be better prepared to make sound decisions when circumstances change. This process tends to unfold over time, rather than one long planning meeting, and integrates:

• Investment management, diversification and asset allocation.
• Strategic tax planning, both current and future. We believe that effective investment management incorporates tax planning and we offer tax planning and preparation services to our financial clients. This service has additional fees, based upon the complexity of your returns.
  • Because we are paid separately for this tax work, recommending our tax services creates a conflict of interest. You are not required to use us for tax preparation and may use any tax professional you choose, though our tax planning and projections may then be less detailed.
• Retirement Planning and other financial goals
• Consultation about Social Security and Medicare Benefits
• Education Planning
• Estate Planning Discussion and Review. We do not practice law or draft legal documents, which should be prepared by an attorney. We make recommendations and/or referrals for you to discuss with your attorney.
• Insurance review and recommendations. Certain of our advisors hold insurance licenses, but we do not sell these products in our practice. Instead, we make recommendations for discussion with your preferred licensed agents or make referrals as needed.

Important Risk Disclosures

While we strive toward worthy goals, we acknowledge that there are always risks involved when pursuing them. All investing involves risk, including the possible loss of principal. No strategy guarantees a profit or protects against loss in a declining market. These and other risks are constantly evolving, and it is our goal to help identify and address them and other life changes when they occur

Our Fiduciary Standard

We follow a Fiduciary Standard of Practice, which includes:

• Placing your interests ahead of our own. We proactively identify and disclose conflicts of interest and, where possible, take steps to eliminate or mitigate their impact on our clients.
  • Our conflicts are described in our Form ADV Part 2A and Form CRS
• Providing prudent, well-informed and competent advice enhanced by a commitment to continuing education as we strive to stay abreast of the areas affecting your financial life.
• Explaining our fees clearly, and helping you understand the third-party costs from custodians, transactions and fund expenses that apply to your accounts.
  • You can review our ADV Part 2A, Item 5 or Form CRS for more information regarding our fees. (insert link to both here).

Working Together

We find that our work is sometimes spiritual, frequently emotional, practical, and regularly rewarding. Upon learning about your individual needs, goals, wishes, or dreams, we can then work together to arrive at sometimes unique solutions and practical recommendations. While some may consider our practice to be a bit unorthodox for the industry, being of service to others brings great joy, and keeps us coming back for more. We look forward to speaking with you to determine if we are a good fit for your needs.