HOW WE ARE DIFFERENT?

We are Fee-Only – This means that we do not accept commission compensation or kickbacks from any party for anything. Our clients compensate us directly for our advice and services using either an easy monthly or quarterly retainer, or if more convenient, on a project basis. No conflicts of interest!! We hold ourselves to the highest fiduciary standard. Period.

We are Independent – We are not accountable to recommend any specific insurance or mutual fund company product, nor are we affiliated with any banking institution. This allows us to recommend the best solutions for our clients without being dictated to recommend specific solutions over another.

We believe in Functional Financial Planning – Functional Financial planning is the practice of ensuring that personal finances function within each client’s lives. What works for one client may not necessarily be the best solution for another client.

Holistic and Comprehensive – We offer help in the following areas:

  • Financial Goal Setting
  • Cash Flow Design
  • Investment Advisory
  • Tax planning and forecasting
  • Risk Analysis / Insurance
  • Real Estate Analysis
  • Estate Planning
  • Investment Advisory
  • Portfolio Monitoring
  • Client Education

MEET SCOTT

Scott Smith

Principal & Senior Adviser

Scott has a BS in Consumer and Family Economics with a concentration in Financial Planning from the University of Missouri at Columbia. After obtaining his bachelor’s degree Scott worked briefly with Edward Jones as an Investment Representative. Disheartened by sales mentality of the industry he decided to leave financial planning. For the next 18 years Scott held multiple management positions in the car rental industry. In the back of Scott’s mind he always wanted to go back to financial planning. After discovering Fee Only Financial planning when doing an internet search Scott decided to investigate this further. Scott was lucky to find an opportunity with Bert Whitehead of Cambridge Connection in Michigan where he learned the value proposition of Fee Only Financial planning.      

 Scott is a CERTIFIED FINANCIAL PLANNER™ practitioner.  Scott believes that finances should function within each client’s unique situation and does not believe you can give all clients the same cookie cutter advice.

OUR PROMISE

To provide holistic financial planning services that allow our clients to better function with their finances.