Broker Check

Our Process

We offer simple strategies to complex financial problems.

Our clients are part of our process from the beginning. We keep you involved and make sure you understand what we are doing and why we are doing it.


Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication are the cornerstone of a successful financial plan. 


By focusing on what matters most to you and your family, we’ll collaborate to build a customized plan to solve your challenges and take advantage of your greatest opportunities. Our planning process includes detailed recommendations and a comprehensive written report. We will work together to address any questions or concerns you may have, and adjust your financial plan as needed. 


Implementing your financial plan includes opening investment accounts or transferring funds withing your current accounts. We'll also address any non-investment activities that were identified during our discovery phase.


Regular reviews of your financial plan are part of our ongoing relationship that helps us ensure that your plan always reflects your current goals. These check-ins allow us to respond to the regular fluctuations of the market and help you stay on track. Our team is always available to answer questions about your plan, investments, or goals. 

Frequently Asked Questions

What do you love about your job?

My financial practice is named after the date of the formation of the first life insurance company in the US. This occurred in Philadelphia in 1752 by Benjamin Franklin and a group of firefighters. I strive to design customized financial strategies that will also stand the test of time for my clients.

What services do you provide clients?

We provide three core services: financial planning and design strategies (to help you efficiently work toward your goals), investment solutions (portfolios that fit your needs), and insurance products (to protect your interests today). We're independent and always shop for the investment or insurance that is best for you.

What is your investment philosophy?

That your confidence in your investment portfolio will determine your commitment to your investment strategy. We believe that investing in leading companies, with leading technology, and leading talent will yield positive results in the long term. You need to believe in the engine we'll use to get to you your goals.

How will we communicate about my investments?

You will have 24/7 access to your accounts and we'll hold a comprehensive annual review of all aspects of your financial life. We're always available for questions and you have the option to schedule more frequent reviews and other services if you desire.

How do you get paid?

We're paid in several ways, each driven by your needs. If we're helping to manage your assets, we charge a percentage annually for those assets under management. If you need insurance, we would receive the state-regulated commission rate. If you need a financial plan, we have standard and enhanced options with corresponding one-time fees.

How will you measure and evaluate my investment performance?

We'll measure your investment performance based on absolute and relative performance to a comparable benchmark.

Can you tell me why the last two clients you lost left you?

One client was the chief financial officer of a company. He changed employers and his new employer offered investment advisory services as part of its benefits package. The second client passed away and our firm had no relationship with his wife, who decided to move the account to her current advisor.

I have a different question!We are always here to answer any questions you may have about investments, insurance, or the way we can help you meet your goals. You can contact us by filling out the form at the bottom of this page, using our contact page, giving us a call at (804) 283-1920, or emailing me directly at

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