Services and Fees

Our goal is to give you financial peace of mind so you can focus your time and energy on more important things. We manage the technical details of your financial world so you can pursue a higher quality of life. Our ideal clients receive:

PERSONAL FINANCIAL ADVICE
We help you make smart choices about money and achieve your financial goals for the reasons that are important to you. Our advice is personalized and independent, and fully complies with the fiduciary and full disclosure requirements within the SEC Investment Advisors Act of 1940*. We believe you deserve objective financial advice to help you plan and manage your financial resources.
  
COMPREHENSIVE FINANCIAL PLANNING
Comprehensive financial planning is the process of consolidating all of your financial assets into one highly organized written plan. This plan will give you a clear picture of how your financial resources can fund your goals over your lifetime. It will also tell you exactly what you need to do to have the highest probability of success. Your personal financial strategy may include one or more of the following components: 
  • Cash Management
  • Debt Management
  • Tax Planning
  • Investment Management
  • Retirement Planning
  • Insurance Planning
  • Estate Planning
  • Charitable Planning
  • Business Succession Planning

A FEE-BASED RELATIONSHIP

Our fee-based business model encourages an objective, personalized relationship with our limited community of clients. This includes fee-based financial planning, advisory services and investment management. Our fees are industry standard yet are infinitely variable based on the size and scope of a potential client’s financial goals, planning requirements and investment management objectives. Therefore, individual planning, advisory and investment management fees can only be calculated and fully disclosed after a detailed analysis and evaluation of your unique personal circumstances has been completed. Please remember though, “fee-based” does not mean “fee-only”. If a commission-based product is more suitable to address a specific financial planning objective, we will advise you on the product and disclose the commission.  We believe you deserve objectivity and full disclosure on the products and services in your plan.
 
A WORLDWIDE NETWORK OF RESOURCES
We’ve selected a trusted group of world-class financial institutions, tax advisors, money managers, portfolio strategists, bankers, real estate agents, attorneys and professional consultants that we have worked with for many years. Each is a highly skilled specialist in the areas of tax planning, investment management, asset allocation, banking, real estate, insurance, law, accounting, estate distribution, business succession and philanthropy. We believe you deserve a qualified group of experienced professionals working together, to help you achieve your objectives.
 
PERSONALIZED SERVICE
Delivering fast, accurate, personal service is one of our most important goals. We accomplish this is by specifically limiting the number and type of clients we work with. This allows us to focus on your specific needs and concerns when you need us the most. We believe you deserve responsive, hassle-free service on issues that are important to you.
 
ACCOUNTABILITY
Planning without implementing is like owning the finest gym equipment without exercising. We act as your personal financial “coach” to make sure you’re consistently taking the actions that will give you highest probability of achieving your goals within your targeted time frame. Holding you accountable to your plan objectives and keeping you on track is one of the most important functions we fulfill. We believe you deserve a financial advisor who is personally committed to your ongoing financial success.
 
SHOULD WE BE WORKING TOGETHER?
Due to the very special way we work with people, we only work with a limited number of clients who match a unique character and financial profile. To help you determine if Joel might be the right Financial Advisor for you, we’ve posted our ideal client profile on this website. If you match our profile, we invite you to inquire about a no-cost, no-obligation initial interview to explore the potential opportunities in working together. We can be reached Monday-Friday from 9:00 am to 4:30 pm at (760) 788-5953. We look forward to talking with you.