Our typical client begins working with us between 55-70 years old and want help managing their investments (usually between $500K - $10M) and making more informed tax planning decisions during retirement.

Since our company’s inception, we’ve worked with individuals and families on the cusp of retirement. Our team’s extensive knowledge in investment management, retirement planning, long-term care insurance, tax planning, Social Security and Medicare has positioned our team as retirement experts.

Most of our current clients had hit a point in their life where the complexity of their financial situation exceeded their comfort level to continue doing it themselves.

It all starts with your tax return.

We want to see and review your tax return every year. We want to make sure we know and understand where all of your income sources are coming from, what kind of deductions you’re taking, and where you are in your current tax bracket.

From there we can help our clients see the benefits of Roth Conversions, Qualified Charitable Distributions from Traditional IRAs, how to prioritize which account to pull income from and when, manage investment account capital gains from non-IRA investment accounts, recommend a what kind of investment accounts to save into…and even interacting with your accountant about a big financial decision you are contemplating.

While accountants are experts and generally great at what they do, it helps to have a second set of eyes on your returns each year - there are errors (sometimes large!) we’ve caught that help our clients not pay a dime more tax than they have to.

We believe our clients have the greatest chance at financial success when asset management is paired with ongoing financial planning.

Because of that, we utilize an Assets Under Management fee structure. This means our fee is based on the amount of investments we manage for you. This “all-in-one” AUM fee (listed below) includes both investment management and ongoing financial planning from our team. Our base advisory fee schedule is:

1.0% - Between $500K - $2M
0.9% - Between $2M - $3M
0.8% - Above $3M (includes tax prep fees)

Our fee covers both investment management services and ongoing financial planning.

Investment Management includes:
*Professionally managed portfolios
* Full-service account management
* Quarterly Performance Report
* Discretionary Asset Management
* Portfolio Rebalancing
* Annual Investment Review Meetings

Ongoing Financial Planning includes:
* Integrated Tax Planning
* Savings and Debt Management
* Employee Benefits Review
* Investment Planning
* Insurance Planning
* Retirement Planning
* Intergenerational Giving Planning

We will meet together at least annually and our team will be available as a constant resource via in-person & virtual meetings, phone calls and email as life and its financial challenges pop-up.

Yes. We function in a fiduciary capacity with our clients. This means when engaging our services, you can trust the advice you receive will be in your best interest, not ours.

We are also an Independent Registered Advisory Firm. Being independent means we aren’t married to any particular financial company. This increases our ability to recommend the financial solution that provides the greatest value (at the lowest cost possible) for you.

We believe the best investment plan is one you can stick with over the long-term. Our job is to help you find the right investment strategy that aligns with your financial plan and risk tolerance.

To make this happen, we have strategically partnered with an independent asset management firm, Gradient Investments, LLC, to provide an institutional level of managed portfolios for our clients.

To see a sampling of some of the investment strategies we use with our clients, click here.

As of January 1st, 2025 our Assets Under Management for our clients was approximately $132,000,000

We use Schwab to custody our clients investments. As an independent Registered Investment Advisory firm, we are free to use any custodian we choose.

Yes. We realize many of our clients have long-standing accountants and attorneys they trust and have worked with for years.

We value working together with your accountant as we consider financial planning and investment decisions that could minimize your tax liability each year.

A relationship with your existing attorney can be helpful to build out an estate plan if you circumstances require it. We don’t do this part in-house, but we’re glad to be apart of your estate planning appointments helping your attorney see the “big picture”.

Our physical office is located in West Knoxville, Tennessee. While many of our clients are nearby and enjoy meeting face-to-face, technology has increased to such a level that your geographical distance isn’t a factor.

We utilize email, phone, virtual meetings and secure document portals to make location a non-issue. We even have a virtual financial planning studio with something we call a lightboard to make our virtual meetings feel like you’re in the office with us!