My philosophy

I earnestly care about each and every one of my clients.  My fervent desire is to help you make choices that lead to your financial independence. 

I am a thrift coach.  I help you delay gratification today for a bigger payback in the future.  We absolutely must divert some income from current consumption to things like insurance and investment in order to secure financial independence for you and your spouse.

We insure against what can go wrong in order to acquire the luxury of investing for what can go right.  The most robust and sexiest portfolio will disappear quickly if one of you dies or is disabled.

I am here to assist you in making intelligent choices that are perfectly suited to your individual situation.  I will not ask you to act upon my recommendations until you thoroughly understand their place in your financial plan.  No insurance, annuity, or investment product makes any sense whatsoever outside the context of an overall plan.   At the foundation of the plan are your goals and dreams for your life on planet earth.

I strive for clarity, simplicity, and honesty.  Our relationship must be based on trust and frankly, we must like one another in order for this endeavor to be successful.