Specializing in retirement planning and personalized investment management.

We are professional, fiduciary financial advisors who enjoy working for you, not Wall Street.
Serving Apex, Cary, Holly Springs, Fuquay-Varina, Raleigh and the Greater Triangle

Financial Planning
Independent Advice for an Independent Life
  • Retirement Planning — For those already retired or considering retirement within 3 years. Strategies for retirement goals, income planning, portfolio withdrawals and sustainability.
  • Accumulator Planning — For those who are generally 3-12 years away from retirement. A review and analysis of your full financial picture.
Investment Portfolios
Professional Investing without the Professional Costs
  • Core Management — For those seeking professional management of their investments with some personalization. Service can include 401(k) and other retirement plans. 
  • Advanced Management — For those seeking completely custom investment management due to preferences or complex needs.

The Retirement Income Playbook

The Retirement Income Playbook

Review our Retirement Income Playbook, a collection of investment and retirement strategies to help you achieve your retirement goals.

Knowing your goals, concerns and financial situation allows us to review our Playbook and narrow down which strategies would be appropriate for your situation. Together we design a retirement “game plan” that is both effective and comfortable for you.

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Control Your ACTIONs

You can't control the market, but there are certain aspects of investing that can be controlled and managed to improve your financial success. We call this our investment ACTION plan:

[A]sset Allocation
  • Keep your portfolio balanced at both the stock-to-bond level and at the individual asset class level
  • Update your actual allocation as warranted
  • Strategically shift the portfolio's allocation to a more conservative one over time
  • Stay abreast of new research and investment options
[C]osts
  • Minimize transaction costs and other investment expenses
[T]axes
  • Track and manage taxable income and gains
  • Look for opportunities to generate tax losses
  • Adjust asset location of investments as necessary
[I]nflows
  • Manage ongoing contributions and purchases
[O]utflows
  • Track withdrawal rates and manage distributions
  • Maintain cash accounts
  • Adjust withdrawal strategies if necessary
[N]erves
  • Proactively stay in contact and encourage feedback to manage the mental highs and lows
  • Assist with investment questions and concerns
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A Higher Standard of Care

Fiduciary  fi·du·ci·ar·y, noun

From the Latin fiducia, meaning “trust”, a person or business who has the power and obligation to act for another under circumstances which require total trust, good faith and honesty – Dictionary.law.com

For an advisor, being a fiduciary means that they act in the best interest of their clients.  While you may assume that every advisor or broker works as a fiduciary, that’s not the case.  Many won't accept, or are not allowed (by their employer) to accept a fiduciary responsibility.  Think about that.  If your interests are not first, who’s are? 

Advisors & brokers that are not fiduciaries only have to meet the lower “suitability standard”.  That means recommended products or actions only have to be generally suitable for a client’s circumstances. Unfortunately, many financial products are sold under the suitability standard, but may not be the best thing for the client.

Want to see real-life examples of people and businesses not acting as fiduciaries?  Check out our Lawyers, Guns, and Money blog.


Fee Only
Holly Springs Chamber of Commerce
Better Business Bureau
CFP