We believe that our approach to wealth management should be as hard-working as our clients and reflect their zest for life, passions, and purposes.

Do what you love... outsource the rest.

A financial plan sets the course; ongoing guidance and portfolio management keep you headed in the right direction.  We believe that life should be enjoyed without the burden of financial uncertainty, and that our clients’ time is better spent pursuing their passions and purposes.   As business owners, we’ve come to believe in the adage of “do what you love and outsource the rest.”  We believe in being our clients’ outsourced Chief Investment Officers.

From a numerical perspective, working with a comprehensive financial advisor (not just someone who invests your money) can add the equivalent of 3% additional return per year¹ and help investors achieve a 22.6% higher level of spending in retirement.²

Sources:
1.  Vanguard, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha,” 2016

2.  Morningstar, “Alpha, Beta, and Now… Gamma,” 2013

Our Blog Posts

Join us as we share our thoughts on planning, the markets, and other bits of research that spark our curiosity.

If you’re interested in accessing our “deeper dive” premium posts, be sure to join our exclusive content list here:

These posts are for educational purposes only, and are not to be construed as an offer to sell, or the solicitation of an offer to buy, securities. We often display hypothetical results based on backtests. The results of our simulations should not be relied upon for predicting future performance and is not a guarantee of actual performance.

Military: SGLI and SOES Beneficiary Designations

SERVICEMEMBERS’ GROUP LIFE INSURANCE (SGLI) Beneficiary Designation If you are a military member with SGLI, please take a moment to read this public service announcement. Last week I spoke with an Air Force squadron commander about SOES (SGLI Online Enrollment...

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Traditional vs. Roth IRA: Which is Best?

As you might know, Brandon and I are former fighter pilots. Brandon flew the F-16 and I flew the F-15E during our service in the Air Force. We each have an affection for the specific aircraft we flew, but if you were to ask us which fighter is “best,” our honest...

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S Corps vs C Corps: The Alphabet Soup of Business

All corporations start out as C Corporations. To create a corporation, you need to file articles of incorporation with the secretary of state (department of state) in the state where you want to create it. The articles of incorporation include the corporation’s basic...

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Real estate investments: The cap rate

When evaluating potential income producing real estate investments, you should consider a property’s capitalization rate, also known as the “cap rate.” What is a cap rate? It is a figure representing an investment’s rate of return. A property’s cap rate also gives you...

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How to skin a CRAT (and other remainder trusts)

I'll admit that I struggled with the title -- surely there's a better pun to be used here, but it eludes me. In all seriousness though, a Charitable Remainder Trust (CRT) can be a powerful financial planning tool, especially when certain tax and estate scenarios are...

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Don’t Leave Your 401(k) Behind.

This week we've been helping a client roll an old 401(k) into her new plan with her current employer.  In case you need a refresher, there are four options for your 401(k) -- or other qualified plan -- that you have when you leave a job: Leave it in the old company's...

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Crushing variable income woes with math

That's right.  Math. Here's the deal:  If you're an independent contractor or freelancer (no matter part-time or full-time), you've probably had some headaches over irregular income.  The good news is that you can improve your budgeting and cash flow management...

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Investment advisory services are offered through Targeted Wealth Solutions, LLC, a registered investment adviser offering advisory services in the State of Colorado and other jurisdictions where registered or exempted. Registration as an investment adviser does not imply a certain level of skill or training.