Fiduciary · Registered Investment Advisor
About
We help individuals and families protect, grow, and transfer wealth.
Our mission
To help you discover and build a retirement plan you can actually live with.
Our values
To always do the right thing, even in adversity.
The name
Managing investments is the part everyone expects. The name is for the rest of it: reading the power of attorney your bank might refuse, looking at a homeowner’s policy we earn nothing on, and walking you through your estate documents instead of referring you out.
A fair test of an advisor is what they’ll look at when there’s nothing in it for them.
We bring decades of experience in estate, tax, and investment planning to help you make informed, confident decisions.
How we work
This is how the work is organized, in our own words. It is broader than investment management on purpose, because a decision in one area lands in another.
Income planning strategies are designed to minimize taxes, reduce risk, and provide more income. Are you aware of the twelve different strategies that can be used to withdraw money from your IRA? We help you find which of the twelve is the best fit, for the most income, with the least risk, and the lowest probability of running out.
We design a plan that can lower your taxes using those withdrawal strategies, and model how certain decisions may raise your tax bill unnecessarily. Take a capital gain, or pull from the IRA? Convert to a Roth, or wait? We have the expertise and the tools to help you decide, because the wrong decision can be very costly.
Risk management protects income, reduces emotional decisions and helps conserve assets. We reduce volatility by blending multi-asset, globally diversified model portfolios with safe instruments. We also evaluate umbrella liability coverage, healthcare costs, and the financial perils caused by long-term care or the premature death of a spouse.
We do not practice law. But as true financial advisors and planners, it is our duty to help you grasp the importance of a proper estate plan: passing assets on efficiently through wills, trusts, charitable planning and insurance. We are mindful of how beneficiaries are structured so assets avoid probate or meet a special need. Estately is a client-directed service, and we can walk you through the process and get you prepared.
The team
Three advisors. The firm has been registered since 2018, Rick holds both the CFP® and the CLU, and neither the firm nor any of us has a disciplinary history. We share the work, so nothing waits on one person being free the week you need them.
Managing Member & Chief Investment Officer
Investment Adviser Representative
CLU®, CFP®
Investment Adviser Representative
Schedule with NicholasNext step
The first conversation is free. We'll tell you what we'd look at and whether we're the right fit. Sometimes we aren't, and we'll say so.
Or just call us:(860) 657-8380
