Our Services

The strength of independence.

We believe that good financial advice comes from independent advice. We provide our clients with tangible strategies that are tailored to their unique needs. Our clients are free to choose any or all of our services, with no hidden requirements.
Professional Investment Management
Independent Financial Management
Risk Management

Investment Management

Investment management.

Wealth is neither created overnight nor preserved by accident. We manage each of our client's assets with their specific goals and situation in mind. Our asset management approach, developed and refined for nearly three decades, utilizes asset allocation as its primary portfolio strategy.

Asset Allocation

By spreading your investments across different kinds of stocks, bonds, and cash equivalents, your portfolio is able to participate in a variety of market sectors while seeking to reduce overall risk. While no single investment approach can guarantee success, asset allocation can temper the ups and downs of the market and enhance portfolio returns.

A thorough portfolio strategy is one that seeks to protect from the twin threats of inflation and taxes in addition to investment loss. Our allocation strategy works to combat these constant enemies that weigh down on the growth of your portfolio.

Our diversification strategy utilizes portfolio managers in addition to robust research and comprehensive investment tools. This allows us to carefully allocate your assets, monitor them regularly and make changes accordingly.

Private wealth management services

Ideal for the investor interested in premium services, but not interested in paying a commission, we offer custom-made, actively managed, diversified portfolios.

Unlike some other advisory programs, we offer access to thousands of funds and to unique share classes. Stocks and bonds are purchased with little or no transaction fees.

Because we are independent of investment banks and insurance companies, we have the freedom to offer our clients the investment choices guided first by their personal needs and suitability. We strive to minimize opportunity for conflicts of interest by engaging out clients in an advisory relationship and maintaining their best interest as our primary focus.

We are currently accepting asset management clients with $250,000 or greater portfolios. We offer fee reductions for accounts at $1 million, $5 million, and $10 million levels.

Our typical management fee is approximately 1.0% of assets.

Securities offered through LPL Financial, Member FINRA/ SIPC. Advisory services offered through Boone Wealth Advisors, a registered investment advisor and separate entity.

Additional resources

Independent information: What you should know about investment management

What Every Investor Should Know - Choosing a Financial Adviser

Read More

Managing Your Adviser Relationship

Read More

Our Services

Independent financial planning.

Independent advice from an on-staff CERTIFIED FINANCIAL PLANNER™ professional regarding your Retirement, Estate Planning, Tax planning, Investments, College and Insurance planning. Specialties include: Stock Options, Early Retirement, Portfolio Risk and Performance Analysis.

Financial Planning Services and Capabilities

Retirement Planning

• Building Ahead for Retirement – Focus on the fundamentals to get you on track, your saving goals, and an investment plan to plan forward for your financial independence. This service helps address two questions – Am I on the right path? What should I be doing to plan ahead for retirement? Typically for ages 20’s to 40’s.

• Comprehensive Retirement Planning – This is our most in depth retirement planning service to prepare you for success in retirement. We factor in your current financial standing, your goals and dreams, your debt plan, your optimal retirement lifestyle, utilizing Monte Carlo simulation, and multiple scenarios so you receive an expert viewpoint of what you need to do to get across the finish line. Two primary questions are answered – When can I retire? Should I retire? Most suitable for ages 45-65.

• Retirement Income Planning – A master blueprint for what your first 10 years of retirement living looks like. We show you how to maximize your Social Security, defined benefit plans, and how to position your portfolio to support you for your retirement living years. Strong emphasis on creating tax efficiency. The primary questions answered are – How do I retire? Where do I draw money from? This service is most useful if you are retiring within 2 years or you are currently retired.

• Healthcare Insurance – Before and after age 65.

• RMD Requirements – What happens at age 70 ½ and later.

• Tax Analysis – What am I paying and what should I expect to pay in retirement?

• 401k Recommendations – Are you invested in alignment with your goals and risk tolerance?

• Social Security Analysis – What is the best choice for your situation?

• Pension and Survivorship Analysis – Considering your financial position and personal goals, what option should you choose?

• Roth Conversion – Is it beneficial to me for the long term?

• Type of Retirement Account – Am I taking advantage of the best plan? Are there other accounts I should use?

• Monte Carlo Simulation – This analysis looks at the probability of your money lasting through different environments (varying levels of returns and inflation)

• Retirement Income – Do you have a funding gap and how best to fill the gap?

• The RV life or maybe it is traveling abroad – Let’s design your retirement

• Long-Term Care – Do you have a plan?

Investment Planning

• Portfolio Analysis – Know how you’re invested, assess strengths & weaknesses, and discover what is missing.
• Stock Option Analysis – Is it a good deal? Understand how leverage affects your returns. Concentration risk.
• Morningstar in-depth portfolio analysis.
• Concentrated Stock Analysis – Opportunities to diversify your holdings with or without realizing capital gains.
• Annuity Analysis – Are they right for your situation? What is the cost and benefit?
• Defined Contribution Plan – Evaluate potential options. Important for small business owners.

Goal Planning

• Net Worth Analysis – What is your net worth? Do you have enough liquidity? Are your assets balanced?
• Ratio Analysis – Take a look at your personal ratios and find out if you are financially fit.
• Goal Planning – Home purchase, vehicle purchase, vacation home, vacation planning, etc.
• Liquidity Analysis – Given your debt, do you have sufficient liquidity to protect yourselves?
• Action item Checklist – Part of a comprehensive plan. This tells you what to work on immediately, what should be accomplished within this year and what can be set aside to work on in the future.

Tax Planning

• Tax Opportunities – Find out if you are maximizing your tax benefits.
• Tax Obligation – Do you know what to expect for your taxes for the current year?
• Tax Analysis – Would knowing your future estimated taxes (looking out years ahead) affect what you do this year? This information can open multiple planning opportunities.
• Tax Minimization – How can I reduce my tax cost?

Estate Planning

• Trust and Estate Review – Find out if you are subject to estate taxes. Understand the process of asset flow in the event of your death. Review necessary documents.
• Generational Planning – Plan a legacy for your heirs and future heirs.
• Beneficiary Planning – Ensure designations are correct. Review and alter as needed.
• Estate Settlement – Assistance with asset retitling, annuity claims, and money movements.
• Gift planning – Reduce your taxable estate and build a legacy.
• Retirement Community Analysis – Compare living options as it relates to your financial plan. Assess buy-ins, monthly dues, and ancillary costs.
• Receiving an Inheritance – Assess your plan and priorities upon receiving inherited money or windfall.
• Charitable Planning – Structure your estate to accomplish your charitable wishes and receive tax benefits.

College Planning

• College Planning Analysis – Find out what pace you are on to meet your college savings goal. How much additional is needed to save?
• What are the pros and cons of different college saving vehicles?
• Find out the cost for your child(ren) to attend any specific college or university.
• How to factor in if you are paying private tuition now for your college planning goal(s).

Insurance Planning

• Life – Provide for the ones you love after your passing.
• Disability – Guard against financial insecurity during difficult health times.
• Long Term Care – Protect your family and finances through a challenging life stage.
• Business (key person) – Know that all you’ve worked for, will be protected should a key partner pass.

Debt Analysis

• Debt Planning – Are you on a effective path to pay off your debt? Should you accelerate debt payoff? How much to keep in savings vs. paying off debt?
• Mortgage Analysis – Find out if you should invest extra cash flow or pay down your debt.


Draw up a complete financial statement and help set goals

Before a trek or expedition, an expert nature guide begins by evaluating who he will be leading into the wilderness, including their strengths, goals, abilities, and points of concern. Similarly, a CERTIFIED FINANCIAL PLANNER™ performs a comprehensive financial analysis specific to you. Specialized training and experience enable the analyst to ask all the right questions to help you define and outline your personal goals.

Analyze relevant aspects of your current financial picture

A CERTIFIED FINANCIAL PLANNER™ understands that your financial situation has many moving parts (assets, income, insurance, taxes, business interests, wills, etc.). They are trained to hold your objectives and lend scrutiny and analysis of your finances in view of your making those objectives attainable.

Identify weaknesses and recommend improvements

The CERTIFIED FINANCIAL PLANNER™ practitioner's objective is to design a strategy which will weather any perceived or potential weaknesses in your financial outlook, and provide specific recommendations to help you pursue your financial objectives in a more streamlined and effective way.

Coordinate and implement your plan

Any financial plan, no matter how impressive or well-designed, is worthless unless it is implemented. A good CERTIFIED FINANCIAL PLANNER™ practitioner ensures that all the elements of your action item checklist are set into motion, that the work of specialists - such as your attorney or accountant - are coordinated on your behalf, and that the desired effects of the plan are realized.

Comprehensive financial planning generally begins at $1,500, with more complex cases starting at $2,500. The fee covers one year of new scenarios, clarifications and updates.

Additional resources

How to select a financial planner.

10 Questions to Ask your Financial Planner

Read More

CFP Board - Consumer Guide to Financial Planning

Read More

Our Services

Risk management solutions.

An essential part of financial planning, insurance can help replace income that would be lost upon your death or disability. It can also help ensure that dependents are not burdened with significant debt, affording them financial means in a difficult time.

Risk Management

Life Insurance

Life insurance offers a way to provide for your family after your death. Although choosing life insurance can be a daunting task, selecting the right policy can be critical to your family’s financial well-being.

While there are many different kinds of life insurance, we will carefully walk you through the process of choosing an appropriate policy for you and your family.

Disability Insurance

Similar to life insurance, disability insurance provides a steady stream of income for you and your loved ones in the event of your temporary or permanent disability.

The risk of a serious accident seems distant until we experience it firsthand. We will help you consider these risks to determine if such a policy is appropriate for you.

Long Term Care Insurance

With the ever-rising costs of personal health care, Long Term Care insurance guards your assets from service costs that might not be covered by health insurance or Medicare, such as assisted living or hospice care.

Long Term Care insurance is not necessarily appropriate for everyone, but we will happily assist you in exploring this risk management option.

Retirement Risk

Annuities and Estate Planning Services

As part of our Financial Planning process, we help you consider ways to protect your estate and leave your mark on the family, friends, and organizations that mean most to you.

We have many tools to pursue these goals, and will happily work with your attorney and accountant to create thoughtful, efficient ways to manage your estate after your death.

Need a guide for your journey?

Let's talk

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram