Life can become complicated. Building wealth for your future is important. Whether as an individual or a family, our responsibility is to understand your evolving situation, the unique circumstances of your life, and how you want to progress over time. We apply investment processes, tax management, and estate planning considerations to ensure that you are not only on the right track, but that you clearly understand the variables which will affect your success.

A financial plan is our basic guidepost to how we will invest and how we will advise you on future actions. Therefore, one of your best questions for us when considering a financial decision is what the long-term effect will have on your plan. You may also be interested in how we arrive at our assumptions about future returns, how we view inflation, what our expectations are for Social Security and pension income, and what are advisable spending rates for our accumulated assets in retirement.

When providing advisory services and programs to our clients and their advisory accounts, we act as a fiduciary. Clients who select an advisory service or program typically pay a periodic ongoing fee based upon the assets in the applicable advisory accounts and do not pay commissions on trades executed by Baird. This fee arrangement better aligns our interests with those of our clients and avoids many of the conflicts of interest associated with a commission-based brokerage account.

Yes. As an integrated team consisting of three Certified Financial Planners™, our primary duty is to bring clarity to the financial issues that arise in our clients’ lives, to communicate in plain language, and collaborate with you to find solutions to problems.

We take the time up front to learn about your entire financial situation. Once a plan has been established, we will typically meet with you three times per year to cover goal setting, portfolio reviews and other topics. In the interim, we will work with you as often as needed.

We invest our clients’ assets primarily in publicly traded equities and fixed income.

Saving a part of what you earn is the most basic way to see your money grow. Investing those savings in a variety of investment vehicles will help you grow the funds you have saved. Each investment has a different risk level, and your investment process needs to align with your level of risk. We will address these issues with you in our initial meeting and return to these topics frequently over time.

We believe that generating wealth is a long-term process of both suitable asset allocation along with disciplined saving and investing. While markets do not appreciate in a straight line, we work to ensure that our clients understand the behavior of markets in the short term. We strive to keep focused on long term objectives and outcomes.

We charge an annual percentage of the assets that we manage for you, assessed on a quarterly basis. We will provide our fee structure when we meet.