Individuals, families, businesses all are welcome to work with us to create a solid plan on which you will build your future.
A plan helps guide you to sustainability and prosperity over your lifetime. As life changes, we update your plan. Starting a family, or a business, saving for college, buying your first house or car, or looking forward to retirement?
We start wherever you are. We'll be with you for each struggle or success with independent advice and expertise. Our process is always about you, your circumstances, your goals. We explore the options best suited for you based on where you are now. We ask questions, like the ones below.
Click on the strips to learn more about each topic. When you're ready to make a plan, we'll be ready to guide you.
We suggest this for everyone at every age. Set aside enough cash to cover your essential expenses for three to six months. Put it in a safe, relatively liquid account like a short-term certificate of deposit (CD) or money market fund.
If you are not doing this, start this month. Need to start with less. Ideally If you stick with that 10% during your working years, you’ll likely be in good financial shape come retirement. However, if you find that difficult try starting at 5% and every 6 months add one percentage point. As your earnings grow you should still be in good stead. Check with us about what accounts may be the best for you. We'll look at options like a Roth IRA or Roth 401(k) may make the most sense, short-term certificate of deposit (CD) or money market fund.
There are several factors everyone should know when managing their credit and their credit score. The three major bureaus, at times, may be reporting significantly reports about you. How often do you check? Most credit cards and banks no provide this information for free and keep you updated. Be sure to use these tools that are available.
It is a good practice to keep your credit card usage at 30% usage to credit limit. For those with a lower credit limit this may be difficult. Even with higher limits you could risk a lot if you use your credit cards instead of an emergency fund. We can look at your entire portfolio and see how best to reduce the highest interest debts if that is the right thing for you.
Enroll in comprehensive health insurance.Charge only what you can afford to pay off each month.
If your employer doesn’t offer medical benefits, shop around for the best plan. Good health coverage is a must, no matter what your age.
We placed many resources on our website for your convenience. Our intent is to get you interested in your money habits and move toward making a plan of your own. We offer a free consultation to go over the services best for you. We have no need for high pressure or any pressure at all. Embedded in our services is our value beyond philosophy. The plan is just the start of a productive lifetime relationship with you.
Try out this app to learn about risks and your investments. We'll use this as we craft your personal financial plan.
Our lives have had many twists and turns including children going to college, buying/selling homes, and major changes in income.
Mike has repeatedly steered us through our financial "storms" allowing us to stay on track in pursuing our personal goals. My wife and I have peace of mind knowing Mike is managing our portfolio to our best interests.
- A. Poe