Values

To a considerable extent, the firms values mirror my own, the same values that my wife and I tried to instill in our own

kids. They are actually pretty conventional, perhaps a little "old school": respect for each human being - from the highest

to the humblest - whom we meet along the road of life; fair dealing, commitment to one's colleagues and one's career,

trusting and being trusted; personal integrity; passion and energy; and service to our clients, our communities, and our

society.

Philosophy

Our fee structure exemplifies this attitude.

Financial planning is $15 a month and our indexed portfolio is $25 a month

We follow a simple guiding principle: Every action we take—beyond just advice—must be in the best interest of our clients.

While many in our industry prioritize maximizing profits for themselves, we are committed to making a meaningful difference in the

lives of those we serve. The key takeaway from our philosophy is simple: never underestimate the power of compounding

investment returns—and always minimize the drag of compounding investment costs.