Helping You Make
   Informed Decisions

Taxes on long term capital gains and qualified dividends are progressive - a higher tax rate is imposed on those with a higher income.

Set Financial Goals – Establish long term goals and action plans to guide your spending, saving and investing decisions.

FDIC deposit insurance covers checking, savings, money market and Negotiable Order of Withdrawal (NOW) accounts as well as CD’s, cashier’s checks and money orders.

A portfolio that is well aligned with your risk profile helps you avoid emotional reactions to sudden changes in the market. Too much risk causes stress and worry that often results in the sale of stock mutual funds when they are down. The goal is to set an asset allocation that takes enough risk to meet your long-term goals, while giving you peace of mind to stay the course during rough market conditions.

Some indications that you might be dealing with a fraudulent investment include the promise of high returns with little or no risk and claims of historical performance that is overly consistent. It is not realistic to earn high returns without volatility and risk.

An RIA has the fundamental obligation to act solely in the clients’ best interest. A fiduciary must provide his or her clients a duty of undivided loyalty and utmost good faith. Additionally, a fiduciary must disclose conflicts of interest or potential conflicts of interest before and during an advisory engagement.