We are a comprehensive financial planning firm offering households that want and need our help with their retirement plans to achieve their goals.

We are a comprehensive financial planning firm offering households that want and need our help with their retirement plans to achieve their goals.

We transform fear and anxiety to clarity and confidence, so our clients can focus on the more meaningful areas of their lives.

We understand that emotions play a part in your financial decisions, but we are here to coach you to maintain discipline and focus during good times and bad.

We transform fear and anxiety to clarity and confidence, so our clients can focus on the more meaningful areas of their lives.

We understand that emotions play a part in your financial decisions, but we are here to coach you to maintain discipline and focus during good times and bad.

Teacher approach to financial planning

Teacher approach to financial planning

Our Expertise

Our team has over 30 years of experience serving our clients

 Dave Ramsey Followers (SmartVestor Pro Advisors) 01.

Pre-Rollover Individual Retirement Account Management 02.

Educators 03.

 Small Business Owners 04.

 Retirement Plans 05.

 Medicare 06.

Our Expertise

Our team has over 30 years of experience serving our clients

01. Dave Ramsey Followers (SmartVestor Pro Advisors) 

02. Pre-Rollover Individual Retirement Account Management 

03. Educators

04. Small Business Owners

05. Retirement Plans

06. Medicare

Dave Ramsey Followers (Smartvestor Pro Advisors)

What does it mean to be a SmartVestor Pro?

I agree to the SmartVestor Code of Conduct.

I believe everyone deserves access to solid, professional investing guidance. I have earned my position as a SmartVestor Pro because of my experience in the industry and my drive to help others.

I provide a refreshing twist on financial planning.

I have the heart of a teacher, not the attitude of a salesman. I’m someone you can feel comfortable talking to and someone you can trust. We’ll work together to create a plan to help you reach your goals.

I care about your future.

I’m more than a “financial planner”—I’m someone you can relate to and share your dreams with. I fit your investments to your life, help you understand what you’re investing in and why, and encourage you to stick with your long-term goals.

SmartVestor Pros have a client-first mentality.

SmartVestor Pros are committed to educating and empowering you. They don’t just offer a single company’s investment choices; they can shop around to help you reach your goals.

SmartVestor Pros focus on the long-term.

Like Dave, SmartVestor Pros believe that eliminating debt and investing for the long term is the ideal way to build wealth and prepare for retirement. No account is too small to get started.

Pre-Rollover Individual Retirement Account Management

We can help manage individual participant 401(k), 403(b) and 457s accounts directly. No rollover. No break in service, while you are still working.

Let us help make sure your retirement accounts are working as hard as you are.

Educators

Our advisors have over 40 years of experience working in education ourselves.  We have previously worked as teachers; in administration; as a principal; and even a former superintendent.

We know how to:

  • Maximize your Teacher Retirement Pension (TRS)
  • Potentially buy back years from other states
  • Navigating the complexities of each county’s retirement plan (403b/401k)
  • Calculate Social Security with some counties paying into and some not paying into the system as well as consolidating old retirement plans after you have left a county school system.

Small Business Owners

Being the boss can be exhilarating. But there are also significant risks to going out on your own. Unfortunately, the failure rate of small businesses is high. The keys to success lie in proper budgeting, determining the right product for your market or audience, marketing that product, and then selling it at the right volume.

The Risks of Going Out on Your Own

  • Tax Planning
  • Risk Management
  • Retirement Planning
  • Investment Planning
  • Estate Planning

Retirement Plans

Find the right plan for your business

Individual 401(k) – retirement savings if you’re self-employed or a business owner with no employees other than a spouse.  The business owner can contribute to the individual 401(k) plan both as an employer and employee

SEP-IRA – Simplified Employee Pension plan is a flexible way for a tax-deferred retirement plan. It is an easy to administer retirement plan for anyone who is self-employed, employs others, or earns freelance income.

SIMPLE IRA – is a great starter plan that encourages employees to contribute.  A SIMPLE IRA plan allows employers and employees of small businesses to make tax-deferred contributions to the plan.

401(k) plan – is a retirement plan for businesses of all sizes to save for retirement.  This plan offers pre-tax and post-tax employee contributions.

Retirement Plan Benefits:

  • Potential Tax breaks
  • Increase Retirement Savings
  • Time for your money to grow
  • Attract and Retain top talent
  • Business Deduction for owners
  • Potential Match to boost employee’s retirement

Medicare

There’s more than one turn on the path to crafting the right Medicare plan for your retirement future.

Why Make These Decisions Alone?

From medical cost changes to understanding the small-but-mighty differences between the four parts, making Medicare work for you requires more than just signing up.

Here to Help You

We are committed to finding every Medicare benefit available to you. Our goal is to present you with the right Medicare plan options, so you can make the best choice, plus:

  • We will review your coverage annually to ensure your plan still meets your needs.
  • We present plans that fit your physician network and prescription drug requirements.
  • We will help you assess additional state and federal benefits available to you.
  • We process all necessary application paperwork for you