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Our Story

Ryan Freberg
Managing Partner
We are a fee-only independent investment advisory firm, which means that we do not provide any proprietary products. We recommend investment products to our clients based on the needs of the client and not based on potential commissions to be generated. In our capacity as a fiduciary, we always have your best interest at heart.

Leadership

Ryan Freberg
Managing Partner
Mary Kate Flaherty
Senior Advisor
Jonathan Hammond
Client Service Manager

Why Us?

  • Client-First Philosophy

    Our firm was built for and around our clients. We believe an open and transparent, client-centered relationship is the key to long-term success. Our thorough wealth planning process is driven by listening first, formulating a strategy, and following through with advice and world-class service.

  • Independent

    Independent Registered Investment Advisors are professional firms that provide personalized financial guidance and direction to their clients, many of whom have complex financial needs. Because we are independent, we are not tied to any firm, particular families of mutual funds or investment products. As fiduciaries, we are held to the highest standard of care, and are required to act in the best interests of our clients at all times. We are registered with the Securities and Exchange Commission.

  • Fiduciary

    A fiduciary is a professional entrusted to manage assets or wealth while putting the client’s best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries adopt a code of ethics and fully disclose how they are compensated.

  • Comprehensive

    We work with clients to create integrated, efficient and personalized financial strategies and solutions. Clients with complex needs trust us to carefully examine and streamline their financial lives by ensuring that all the moving parts fit together and are working efficiently and harmoniously. In helping clients grow, preserve and transfer wealth, we tend to the details without ever losing sight of the big picture. Our consultative approach creates blueprints that our clients can use to rally all their professional advisors to pursue comprehensive, agreed-upon goals.

Our Process

We have a comprehensive approach to financial planning. Our process begins with establishing the advisor-client relationship, gathering information, determining goals, analyzing and evaluating the information, developing and discussing the plan with the client, implementing the plan, and finally, monitoring and reviewing the plan on an on-going basis.
Getting Acquainted
We will take the time to get to know you. We want to learn about your lifestyle and goals so we can develop a plan that fulfills your financial goals and fits your lifestyle. We will also assess your risk tolerance through a risk questionnaire. We will discuss the fees, responsibilities, and duties we will fulfill for you as our client.
Plan Development
We will present a plan to you that we believe best suits your needs. We will discuss the various options and how they can affect your plan. We will input your information and plans into our software programs, including Money Guide Pro. These programs will help us to decide which investments are best for you and the success rate for your plan. Once we have your plan the way we believe best suits you as well as the way you want it, we will begin to implement the plan.
Putting the Plan to Work
During the third meeting, we will review the final plan again to ensure we are both confident in our decisions. If necessary, we will make changes. We will then sign the necessary documents, and implement your plan.
Rebalance
Time to time we will have monitoring meetings to ensure your lifestyle still fits the plan we originally developed. If necessary, we will adjust your plan to fit any changes in your life. We will also rebalance your portfolio to keep your allocations aligned with your plan. You may schedule a monitoring meeting with us at any time, and we encourage you to do so especially when you encounter changes in your life, wants, needs, or goals. We are always here to help you succeed.

Our Clients

We serve a diverse group of clients, from 20-somethings to retirees. What they share in common: An insistence on trustworthy, expert advice with no strings attached.
  • High-net-worth and ultra-high-net-worth individuals and families, including those who are still building wealth and those who are retired.
  • Business owners, who seek both guidance through a liquidity event and a partner in managing their wealth.
  • Nonprofit organizations, which require expert, objective investment advice in order to achieve their goals.

Free Financial Review

We offer a complimentary review meeting to describe our services, and to see if our services are right for you.
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