Who We Serve
How We Help - Our Whole Life Financial Planning
This is the prime time you accumulate your wealth. Proactive careful planning is essential for your success. Lifestyle planning, home expenses tracking, college planning, investment management, asset protection and tax strategies are just the beginning to set you up for realizing your dreams for your family. We have the expertise to assist you and your family. Our lead adviser has been working with families since 2003.
Click on the button below to read how our Whole Life Financial Planning process is tailored for wealth building families.
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Choosing your financial planner is a very important decision. The person that you choose, of course, needs to have the educational and professional qualifications of a competent advisor, and you’ll want to know if this person and their team can help you reach your financial goals.
But equally as important or maybe more important is to make a judgement;
“Who is this person and is this person someone I can trust?”
I want to tell you a little bit about myself. The experiences I had growing up and beyond, and why I chose to become a financial planner.
Most often, the time in your life that shapes you the most is when you are young. Parents are often the most important people in your life and influence how you think about most everything. At least, for a while. My parents definitely shaped my early years about my knowledge revolving around money.
Their experiences and the experiences I had led me to becoming a financial advisor.
My first money lesson started when I learned of my parent’s childhoods. Both my parents were left without fathers at a young age. As a result, both families became impoverished overnight. Neither family had life insurance or savings to help supplement the income the family had lost.
Credentials & Affiliations
Why Choose Us?
Fiduciary - Highest Ethical Standards - Fee-Based - Independent
I'M AN ORIGINAL CATCHPHRASE
I’m a paragraph. Double click here or click Edit Text to add some text of your own or to change the font. This is the place for you to tell your site visitors a little bit about you and your services.
People may think that all advisors are about the same. I thought that too, before I became an advisor. Once I learned the difference, I knew I could only work as a registered investment adviser, and feel good about the work I was doing.
Registered Investment Advisers are fiduciaries and are required to always put the interests of their clients first.
Registered Investment Advisers charge fees for their services, not commissions, which can temp an advisor to make excessive trades in your account to earn more money for themselves.
We're also independent and thus, are able to partner with the best financial firms to obtain the best solutions for you.
We're Registered Investment Advisers and we follow the highest ethical standards in the industry set by the Certified Financial Analyst Institute. I'm proud of the work we do to help our clients achieve their financial goals, and I'm proud to be associated with the CFA Institute.
Kathleen Owens | Certified Financial Planner candidate | Managing Director
Please click on the button below to read the Certified Financial Analyst Institute's Code of Ethics and Standards of Ethical Professional Conduct.
Services & Fees
What's great about us is that we're a Registered Investment Adviser. We are independent and not tied to a large brokerage firm with limited choices. We are able to provide to you a full array of institutional-class investment choices.
The most well-regarded financial service companies partner with us to offer their insight, research and best-practices with the goal to bring to our clients the most up-to-date information. Here's a partial list of the companies we work with:
Whole Life Financial Planning - Full Comprehensive: We cover every area of your life which could affect your finances. We then focus on the areas that may have the greatest impact on the success of your dreams and goals. Our Whole Life Financial Planning - Full Comprehensive process is outlined on the menu page: "More - Whole Life Planning".
We do an in-depth analysis of your finances, and then produce reports and projections that will help you fine-tune your vision for your life and create a plan for us to implement together. The planning is very in-depth and takes time but, it's so important if you want to do all that you can to optimize your chances for reaching your goals. The plan is digital, so we can review and make adjustments along the way.
Our planning fee begins at $7,500 for the initial plan, then the annual renewal fee is 50% of the initial fee.
Investment management involves managing all of your investment accounts in conjunction with your financial plan. After your financial plan is created, investment accounts are allocated to reflect your goals, timeline, risk tolerance, and investment preferences. These two processes work together.
Our investment philosophy is prudent management of your investment account(s) with regard to maximizing total returns in consideration to overall risk. Some investors do risk their entire investment portfolio in the stock market. Sometimes this strategy is successful, sometimes it is not. Our philosophy is to first assure lifetime income, in conjunction with stock market participation.
Your financial plan may also include other financial products such as life insurance and an annuity. These investments work together to give you family protection against loss of income and provide guaranteed income. When the stock market has a melt-down, or some unforeseen disaster happens, you'll be glad you are protected.
The investment management fee is a percentage of the assets we are managing for you. For example, on a $1,000,000 investment account, our fee is calculated as 0.0025% per quarter.
Detailed information on our investment management fee and investment account minimum can be found by clicking the button below.