Our Difference

Independence - We are not affiliated with any investment or insurance companies. You will never be pressured to buy any particular investment or insurance product.  This ensures that you receive unbiased financial advice from us.

Fiduciary relationship - As a fiduciary, we are required by law to put your best interest first.  Registered representatives of broker/dealers (e.g. stockbrokers) are not required to be a fiduciary to a client.  Since we are a fiduciary, you get advice that is untainted by compensation conflicts of interest. 

Fee-only - We do not sell investment or insurance products and we do not accept commissions.  Our compensation is 100% "fee-only" all of the time under all circumstances.  This means that we are only compensated through fixed fees, retainers, hourly fees, and asset under management fees paid directly by you.

Experience and credentials - The supervising financial planner and investment manager, John D. Albert has more than 22 years of experience in the insurance and financial service industry.  He is a CERTIFIED FINANCIAL PLANNER™ professional, and also holds the Chartered Financial Consultant, Chartered Life Underwriter, Chartered Property and Casualty Underwriter, and Associate in Risk Management professional designations. 

Comprehensive services -  We offer several levels of financial planning and asset management services.  This provides you with an opportunity to develop a long-term relationship with our firm and the ability to have one advisor integrate and serve all of your needs in the manner that is most beneficial to you.

Flexibility and convenience - We offer a variety of services and fee structures enabling you to select the type of relationship that best serves your needs,  We recognize that people have very demanding schedules and offer evening and weekend appointments.

Client centered, action oriented approach -  We are focused exclusively on your needs, goals and objectives.  All plans include recommendations for action and include initial task lists.  Ongoing financial planning and asset management clients are offered formal review meetings every quarter, a comprehensive annual update, and ongoing access throughout the year on financial issues an concerns as they arise.