Because, like me, you’re ready to do things differently. 

Through one-on-one engagement, purposeful conversations, holistic financial planning, transition coaching, and practical education, I work to help you to truly understand what your money is doing. (And what it could do for you!)

I work best when I get to know you, your family, your values, your fears, your goals and dreams before I give any advice. I strive to provide practical, jargon-free advice that is tailored to your specific situation... in a judgment-free environment where it’s safe to explore all your options.

Wherever you are in your financial journey, I am here to show you there’s a plain and simple way to address your financial needs. Whether it’s a financial check-in to look at the big picture, financial accountability to set and reach certain goals, or asset management to give you more freedom, I can help.

An ongoing engagement with me covers a broad range of financial planning topics, from cash flow planning, spending/budgeting and insurance analysis, to tax planning, estate planning, charitable giving, education planning, portfolio review and recommendations, and more.

It also covers the behavioral components of financial decisions. I help guide you through all the financial areas of your life while helping you avoid common mistakes that derail the best of intentions. I help you become the expert of your own financial future.

Asset management is never a requirement, and I do not receive commissions. However, if you’re ready to delegate your asset management, I can do that for a flat fee based on the complexity of your situation. If you are managing your own portfolio and want to continue doing so, I can also review your investments to provide asset allocation and investment recommendations for you to implement on your own.

Plain and simple – no. You simply need for my fee and advice to be reasonable and valuable to your financial situation.

Our lives don’t stand still and neither will your financial plan. While everyone is unique, most everyone can use a “financial check-in” to answer pressing questions and create a plan.  To be successful, your plan needs to be reviewed regularly and updated as your life, goals, or desires change.

The true value of my services comes from getting to know and understand my clients and their values, beliefs, and passions — along with their money scripts. Only then can I help them craft a suitable plan for now and in the future.

You might be able to. However, if you’re not already a financial expert, you may not want to spend the time it takes to gain the knowledge you’ll need to make prudent decisions for yourself and your family. Many people choose to work with a qualified professional, such as a fee-only CERTIFIED FINANCIAL PLANNER™, to free up time and energy for more meaningful experiences.

I typically recommend a low-cost, passive index approach to investing. I provide diversified asset allocation recommendations based on your ability to manage the ups and downs of the markets.

Markets are tricky and cannot be controlled. I believe in focusing on what you can control. And one of the biggest impact items you can control is the costs of investing.

Passive index funds are low-cost investment options that also provide the variety needed to build a diversified portfolio.

And research shows that even the best-performing mutual fund managers in one year are often not top performers the following year or over a three-to-five-year period. Add to that the higher costs for actively managed funds, and it becomes even more difficult to outperform the market over the long term when you pay for actively managed funds.

Good passive index funds have competitive returns without the unnecessary costs of finding and paying for actively managed funds.

The more you know and understand, the more you will feel empowered. Plain and simple – I believe you shouldn’t have to call your financial advisor to understand your financial life. My goal is to educate you, free of industry jargon, so you become knowledgeable, intentional, and confident in your financial decisions.

I am a CERTIFIED FINANCIAL PLANNER™ and a Certified Investment Management Analyst (CIMA®) with more than 10 years of financial planning experience. I’ve had the pleasure of assisting many different types of clients with a variety of needs and goals. I love working with couples, singles, and families, and I feel especially helpful and fulfilled working with the 50-plus demographic as they plan and transition into their next life chapter.

I also have a bachelor’s degree in Mathematics from the University at Albany. I love numbers and I love solving problems!

Plain and simple — yes, you can terminate your agreement with me at any time. My clients typically pay me quarterly, in advance. I will refund you for whatever portion of the quarter remains.

I want our relationship to work for both of us. If we’re no longer a good fit for each other, for whatever reason, I want you to find someone who is.

I act as your fiduciary, meaning I put your interests ahead of my own — plain and simple. I must always provide you prudent, competent financial advice that is in your best interest. Always.

Plain and simple – To be open, honest, and willing to explore all possibilities.

Yes. Whenever you have a concern, want to discuss something, need a second opinion on a decision, or just want to say hello, feel free to call, email or schedule a time to meet.