*  We do not sell investment products nor do we hold securrities or monies.

*  We never accept remuneration that could create a conflict of interest.

*  For a reasonable fee we will help you achieve your financial goals.

*  Fees are based on time, complexity of the task, and the value we add.

*  We take the time to listen to you to understand your goals and concerns.

*  We insure that clients understand how to implement any recommended changes