Our Fiduciary Pledge to Our Current and Future Clients

• We will act in a fiduciary capacity with all of our clients, and all types of accounts, 100% of the time.
• We are a fee-only advisor. This means we will not accept commissions or incentives from third parties to use their products. This is often referred to as “pay-to-play” or “double-dipping” and we do not engage in these activities.
• We are not affiliated with a broker/dealer.
• We are not affiliated with an insurance company.
• We are not affiliated with any other firm for the purpose of sharing revenue.
• We do not employ any individuals who are licensed to sell securities or insurance products.
• We do not have proprietary or in-house investment funds.
• We do not pay outside companies or individuals for referrals.
• None of our employees have sales or “production” goals.
• Our investment process uses an “open architecture” structure where we are not limited to any certain investments – we only use what is best for our clients.
• We invest our clients’ money the same way we invest our personal money.