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As an Investment Advisor Representative and a Certified Financial Planning Professional, I have a legal and ethical obligation to act in your best interests to the level of placing your interests above my own.



When you make an investment, you commit your funds to various types of assets such as stocks, bonds, real estate, mutual funds, or other financial instruments. The specific investment vehicles chosen depend on your financial goals, risk tolerance, and time horizons. These investments will most likely be spread across various kinds of accounts like IRAs, brokerage, and college savings.

<strong>Financial Planning</strong>

Financial Planning

Financial planning is the process of evaluating and managing your financial resources to help you achieve your short-term and long-term goals. It involves assessing your current financial situation, setting objectives, and creating a roadmap to guide your financial decisions and actions.

Financial planning is like creating a blueprint for your financial future. It encompasses various aspects of your finances, including budgeting, savings, investing, insurance, tax planning, retirement planning, and estate planning. The goal is to make informed decisions and take proactive steps to improve your financial well-being.

Financial planning is an ongoing process that requires regular review and adjustment as your life circumstances and financial goals change. By engaging in financial planning you can make informed decisions, optimize your resources, and work towards a more secure and prosperous financial future.



Risk management refers to the process of identifying, assessing, and mitigating potential risks or uncertainties that could affect your objectives or financial well-being. It involves taking proactive measures to understand, minimize, and manage the potential negative impacts of risks on your personal or business endeavors.

Risk management is about being prepared and taking steps to protect yourself,  your family, or your organization from potential harm. It involves recognizing and evaluating potential risks, making informed decisions to reduce those risks, and implementing strategies to handle them effectively including using insurance.

The goal of risk management is not to eliminate all risks entirely, as that may hinder progress or opportunity. Instead, it aims to strike a balance between risk and reward by identifying potential risks, evaluating their potential impact, and taking appropriate measures to manage them effectively.

By engaging in risk management, individuals, families, and organizations can improve decision making, enhance resilience, and protect their interests. It allows for a proactive approach to handle uncertainties, reduce potential losses, and increase the likelihood of achieving desired outcomes while safeguarding against unexpected setbacks.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.         571.321.0150