Our Beliefs
Our Commitments

First and foremost, we believe in education. We believe that having access to the right information empowers you to make confident, informed decisions for yourself and your family.

Second, we listen to what you say. We take the time to understand what you truly need, then develop solutions tailored to your unique goals, priorities, and financial situation. We believe our commitment to listening—truly hearing and understanding what you are telling us—is fundamental to helping you work toward your financial goals.

Third, we put your financial plan in writing. A written financial plan can provide a clear roadmap for the future. One of the greatest concerns we hear from retirees and those approaching retirement is the fear of running out of money. That’s why having a comprehensive plan can be important. It can provide clarity, help you understand where you stand, and help you evaluate whether you are on track to pursue the retirement you envision.

Fourth, we offer retirement planning. Our retirement income planning services include a detailed written plan. We help you develop a strategy for turning your savings and investments into retirement income and preparing for the transition into retirement.

Fifth, we focus on helping you create income strategies for your IRAs and other assets. We help you evaluate strategies for using your retirement savings, including strategies for turning your IRAs and other assets into retirement income. Our goal is to help you transition from the accumulation phase—where you are focused on building your retirement savings—to the distribution phase, where you begin using those assets to support your lifestyle throughout retirement. 

We focus on helping you create strategies designed to provide monthly retirement income and help provide greater clarity and confidence throughout retirement. We measure our success by how well we understand what you want and need from retirement and build strategies designed around those priorities.

Sixth, we can help you create a thoughtful strategy for transferring assets to your beneficiaries. If leaving assets to your loved ones is part of your retirement plan, do you know how much you may ultimately be able to pass on to your beneficiaries? Do you understand the potential income-tax implications they may face when they inherit your assets?

We can help you answer these important questions and develop a strategy designed to provide greater clarity around what you may leave behind. Our goal is to help you make informed decisions about your legacy while identifying opportunities that may help manage potential taxes and preserve more of your assets for the people and causes that matter most to you.

Seventh, we use a consistent, no-rush, no-pressure, retirement planning process. Establishing your retirement plan is a collaborative process. Our planning process may include multiple meetings, allowing us time to understand your goals, answer your questions, and carefully develop your plan.

When a written plan is prepared, we approach it with care and attention to detail and take the time to help you understand it. We believe you should have the opportunity to receive meaningful retirement planning guidance.

For retirees and those approaching retirement, this means having a dedicated opportunity to put a thoughtful, personalized plan in place.

Mike Nekoorad, CFP®, CLU®
Principal Financial Advisor