Broker Check

Our Mission

How We Work

Our mission is to help clients create streams of income and avoid retirement disasters!

When investing, particularly for retirement, the general consensus is to accumulate as much capital as possible. This objective leaves one with the mindset that capital accumulation is the primary objective and growth oriented investments are generally the focus. This of course leaves one to be fully exposed to market volatility which can lead to anxiety, particularly when markets are moving in the negative direction. It is our opinion that the general objective for retirement money should not be primarily focused on accumulating a certain amount of capital but should be primarily focused on generating as much income as possible. When one retires, income is what a retiree will need. A retirement portfolio accumulated over a 30 or 40 year career that does not generate income must be reallocated to income oriented investments when one retires. It is our contention that if you invest in income oriented investments during the accumulation years you end up accumulating more and more income. As income is earned and reinvested during the accumulation years, your focus is on “growing income” as opposed to “growing capital.” Income oriented investments pay dividends in both up and down markets, thereby creating a rising tide of income.

A dividend is what we define as a “real return.” A dividend can be spent or reinvested. It is real in the sense that you can see exactly what the dividend is. With growth oriented investments, the growth or appreciation is “phantom” money unless you actually sell the holding when the value has appreciated thereby “realizing” the gain. A gain cannot be reinvested unless sold, whereas a dividend can always be reinvested without having to sell or liquidate the asset. Creating as many sources of income as possible for our clients is a priority. Our attitude is , "income is good."

No strategy assures success or protects against a loss. Fixed income products can be subject to market and interest rate risk if sold prior to maturity.

Asset allocation does not ensure a profit or protect against a loss.

Dividend payments are not guaranteed and may be reduced or eliminated at any time by the company.

All investing involves risk including loss of principal.

One of our primary goals is to develop a long-term, trusting relationship with you.

Our Process

Our Process

We create strategies that are tailored to your needs and goals.

Our History

Our History

Years of experience have prepared us to guide you through your life transitions.

Have a Question?

Thank you!