A new perception has taken hold: “independent” is better. Times have changed – and so have financial advisors. Today, people don’t want financial advice from a salesman. Instead, they want a relationship with a financial professional who is candid, trustworthy and thoroughly educated, who provides personalized financial consulting for each client.

There are other risks we sometimes don’t think about. When an investor or financial advisor thinks about diversification, it is generally with market risk in mind. It’s worth remembering that there are other potential risks to your money – and diversification can be valuable in helping you cope with them. Business risk. Even today, there [...]

I recently had the pleasure of attending a clients retirement party after 31 years of civilian service to the military. I have been to retirement parties before, but they never required clearance at security check points and an escort to the ceremony location. We began working on her retirement plans five years ago and revisited [...]