How do you bring change to structure? When is it the right time to redefine ourselves, our lives? And what drives us to make these changes?

The path to personal financial prosperity is best traversed with a simple, yet elegant set of strategies. Largely, it's about asking the right questions and searching for the right answers, those being the answers that truly resonate with you, that give you the energy and passion necessary to change your life, not simply "on the margin" but in a meaningful way.

As trusted advisors, we provide the context, as well as the backdrop, against which your decisions are set. As guardian of your goals, we're responsible for monitoring as well as measuring your success and progress.

As gatekeeper and advocate, our diligence helps to alert us to needed adaptations, to change, to rethink things and pragmatically plan our course.

Your ability to change, to create your life as you define it, is closer than you think.

Innovative and Collaborative

Fiduciary Focus

Fee Only

Innovative and collaborative thought leads to innovative and collaborative solutions, optimizing time and resources which helps to focus both our work and our goals. Fee-only financial advice means we're targeted on how we add value and that we're paid for the value that we deliver. We are not compensated for the sale of investment or insurance products whatsoever. A strong fiduciary focus, one that we'd adhered to for years, means we honor the legal requirement that your interests are to always be placed above those of any other.

Roth IRA Conversions

As you may have heard in the financial press, 2010 represents a year that all IRA account holders, no matter what their income level, are eligible for a conversion from a conventional to a Roth IRA.

The involves the payment of the income tax due on the full amount of the IRA at the time of conversion and the funds to pay the tax can not come from the IRA itself. Taxes must be paid from "other funds" such as personal investment holdings or cash.

Unlike previous years, the tax bill can be spread over the taxes years 2011 and 2012.

We will be evauating the conversion advantages for all IRA account holders during the first quarter of 2010.

For an overview of the Roth Conversion rules visit out Articles and Education page and download the Roth Conversion Overview or simply view it from the web.