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Who We Are?

One of the major benefits to you is our "Fiduciary Status". As a Fiduciary, we are legally required to act in your best interests at all times. While many advisors claim they are a Fiduciary, they still maintain dual licensing enabling them to earn investment commissions. We do NOT utilize retail mutual funds, variable annuities, or any of the normal commissioned based investments usually "sold" by sales people at trust companies, banks, brokerage or advisory firms. As such, we must retain our clients for nearly seven years to earn what a commissioned advisor earns in just one day from your market based investments. With that in mind, where do you feel your best interest would be served? To schedule an initial conversation, kindly contact our founder Mark Kinney, CFP® at

Blogs & Articles

  There’s an old saying: “A recession is when your neighbor lost his job; a depression is when you’ve lost yours.”1 I’ve worked with several people through these tough times. If there’s one question that has stuck out to me the most, it’s been this: “Should I maintain my old 401(k) or roll it to an IRA?” If you or someone you know has faced or is facing separation from an employer, this question likely… continue reading.

As a former Wall Street broker and now fee-based advisor of almost 30 years, my experience has shown that, if your retirement portfolio dramatically declined during the 2000–02 and 2007–09 market drawdowns, these three things were likely true: It wasn’t your fault. Your portfolio was designed to perform that way. It will likely do so again. What do I mean?  Without getting too technical, portfolios are typically designed to achieve either relative or absolute returns.  Given that 95% of all… continue reading.

Why your IRA is likely at risk....and how to correct it

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