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Our Guiding Mission IS ALL ABOUT YOU 

Our mission is simple:  We want to help you achieve and maintain financial independence, so you may live a more balanced and rewarding life now and in the future. We do this by delivering personalized solutions to help bring your financial life goals and personal core values into proper alignment. In essence, our core mission is to be the last financial advisory firm you and your loved ones will ever need. 

Our firm was founded almost two decades ago to help every client get a better return on life. We are dedicated to the financial health and happiness of our clients. We manage the financial nest eggs of our clients to help them achieve and maintain financial security. Most importantly, we are most proud that we are able to help our clients live their lives by design, not default.

We help our clients achieve their lifetime goals through goal-based financial planning and forward-thinking risk managed portfolios, fee-only fiduciary advice, a strong technical foundation for navigating financial markets, and a straight forward fee schedule.

Fee-Only Fiduciary Advice—100% of the time

As an independent, fee-only financial planning and investment advisory firm, we have a fiduciary responsibility to always place our clients' best interests ahead of our own. What exactly does this mean? In short, we will always provide 100% unbiased, objective (commission free) advice that is in your best interest, not ours. We prosper when our clients prosper. When our clients are successful, we  succeed.

As a fiduciary firm, we are legally bound to do what is only in your best interest 100% of the time. Unlike brokerage firms and insurance companies and dually registered “independent” financial advisors, we have no hidden agenda with no corners to cut or sales quotas to meet, and we offer full disclosure to every client all the time. You can rest assured that we will always do what is in your best interest to grow and preserve your wealth and your legacy.

As a completely independent fee-only fiduciary firm without any broker-dealer or life insurance company affiliation, we operate as an open architecture wealth management firm with comprehensive access to a broad base of global offerings to benefit our clients. We do not accept commissions from mutual funds, brokerage firms, life insurance and annuity companies, or any other third-party, and we have no proprietary (in-house) products to sell to our clients and no annual sales contests to win at their expense. We work solely for our clients, eliminating the compensation conflict of commissions and one-time ('one and done') product sales. As strong proponents of the Fiduciary Standard, we have made a commitment to our clients by joining a national organization of investment professionals and fiduciary experts. 


We strongly believe the best way to make money in the long-term is to not lose it in the short-term. Risk happens fast and sometimes quickly to the downside along with our uncontrollable emotions. We believe the best long-term investment strategy for our clients and ourselves is first and foremost about managing risk and preserving our emotional capital for a time when asymmetrical risk/reward opportunities present themselves.

We manage risk in both bull and bear market cycles in stock and bond markets around the world, without exception. When bear markets present themselves (e.g., 1Q 2022), the majority of Wall Street brokers, "independent" financial advisors, insurance (sales) agents, and "modern portfolio theorists" believe their customers (or clients) should at all times "stay the course" and wait for a Fed engineered market recovery to get back to even, many months or years down the road. 

Given a choice, we believe few investors would choose to be fully invested in a bear market (e.g., 2008) to potentially lose the majority of their gains made from the prior bull market advance. We strongly believe waiting many years to get back to even is not a prudent investment strategy we would employ or endorse, and neither should you. 

Invest 5 minutes of your time to complete the TCM Risk Tolerance Quiz to be certain your retirement portfolio is properly positioned for the unexpected. Your financial future is counting on you to make smart financial decisions today.


Goals based financial planning is a process designed to help you achieve your financial life goals, and the process works best when you trust your financial advisor and fully understand and implement their advice. We take great pride in building  strong relationships with our clients so that we may first understand their specific needs and goals, and then provide knowledgeable and thoughtful advice to help improve their personal situation. Let us help you get a better return on life by helping you manage your financial and retirement dreams come true. 

"What you get by achieving your goals is not as important AS what you become by achieving your goals."

Henry David Thoreau