Would you like a worry free future?

For individuals the planning involves writing and taking action through an Investment Policy Statement and a financial plan.

For retirement plan sponsors, the planning involves an written Investment Policy Statement that guides: plan investments, employee planning/education tools, and service providers that can meet the needs of your employees.

It's detailed work and it's what I do.

Relevant Reading

About Me

EBC Financial Management 

Due Diligence

CFP Board Check

The most important thing is to define your goals

I am a solo practitioner with my Certified Financial Planner® Designation with over 15 years in the industry.  My practice operates on a fee basis through an affiliation with Capital Investment Advisory Services a Registered Investment Adviser (RIA). I do maintain my brokerage and supervisory licenses.

Operating through an RIA allows me to be independent and put my clients' needs first.  This means I am paid a flat fee or flat dollar rate for my services, not commissions.  I am paid by my clients for the services I render to them, not a from the investments or any service providers they may use.

I work with two firms for custody of assets of individual clients.  Those firms are Sterne Agee & Leach and Schwab Institutional. 

What Really Matters

Meeting your goals requires planning

It does not matter if you are an individual or a retirement plan sponsor, the goal is the same to build assets that provide for implementing your goals on your terms.  As an individual, the planning done impacts you and you alone.  As a plan sponsor, the steps you take on behalf of the retirement plan impact you and all of the participants in the plan.  These are serious matter and require expertise.

Choosing an Adviser

Individual Investor

Retirement Plan Sponsor