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Investing and retirement planning can be complicated and confusing. We work to dispel the myths associated with these subjects and provide a realistic view that is clear and understandable.

It is the goal of most people, to accumulate wealth through a variety of savings and investments, as well as various sources of income. This is desired in order to provide for self-reliant and stable living. It is also the goal of most people, to preserve their savings and investments from loss that can come from a variety of sources, including, market volatility, confiscatory taxes, or bad decisions which often occurs due to a lack of information or understanding. It is our objective to understand the needs of our clients and to provide sufficient education so that wise decisions can be made. In other words, we seek first to understand and second we seek to be understood.

Our investment philosophy centers on delivering “real returns.” We believe in investing with the goal of achieving a mix of different income streams as opposed to chasing phantom appreciation. You want income you can reinvest, not complexity. We define a “real return” as income. We strive to provide income from as many sources as possible including, “interest income, dividend income and rent income.” When income is received and reinvested, it provides an opportunity to grow ones income over time. Growth of one’s assets is also important, but we avoid chasing appreciation which is often difficult to capitalize on. Prior to making any investment decisions we require our clients to answer this question , “What is the purpose of this money?” Once that is defined and understood, we work to provide recommendations that will have the best possible opportunity to meet the “purpose” outlined. We also understand that money you invest is “your” money, not ours. Your interests and needs come first.


When one thinks about investing, invariably one thinks of risk. Risk is a part of any investment discussion. We assist our members and clients in determining their risk profile. Our investment recommendations are determined based upon your goals, needs, as well as your tolerance for risk. Every investor and investment is different and we can customize an investment for you and your needs. If you have an existing investment portfolio, 401k or IRA that you would like us to review, request a FREE PORTFOLIO RISK ANALYSIS today.

The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time. Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.