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What should I bring to my appointment?

We encourage you to bring a list of questions and the following information (if applicable) to help us navigate your financial course:

Investment Retirement Statements (i.e. 401(k))

Estate Planning Documents

Insurance Documents

Prior Year Tax Return

  • Trust

  • Wills 

  • POA

  • Life Insurance

  • Long Term Care

  • Annuity Contracts

Common Questions Our Clients Ask Us

  • What does the stock market have to do with my investment account?

    • When money is added to your investment account, some or all of it is invested in the stock market. The amount depends on your desired asset allocation. The stock market moves up and down every day depending on many factors, and this may be concerning when watching your portfolio. However, the longer you invest for the better you are poised to weather these ripples. Over any given 20-year period, the stock market generally has positive returns. To discuss the stock market and how this impacts your investment accounts in further detail please let us know during your upcoming meeting.

  • What is the difference between Roth and Pre-tax contributions/accounts?

    • Pre-tax contributions are invested before any taxes have been paid on the money. As the money grows, taxes are not realized on the growth until distributions are taken from the account. When distributions are taken on these pre-tax investments, ordinary income tax rates apply.

    • Roth contributions are invested after being taxed from your paycheck at ordinary income rates. This is the only time the account is taxed. As the money grows and as you take distributions, the amount invested and the gains are not taxed. Ask your Advisor what type of investment might be best suited for you and your situation.

  • When can I start taking distributions out of my account without a penalty?

    • Generally, you can take distributions without worry at the age of 59 ½ from qualified retirement plans. However, there are exceptions to this rule. Let us know if you’re considering taking a distribution from your account as your Advisor can determine if these exceptions apply to you.

Market Highlights

The S&P 500 rose 3.1% in March. The Consumer Price Index (CPI), the most commonly used measure of inflation, was up 3.5% year-over-year, meaning that prices are over 3% higher now than they were last March. Inflation has proven to be sticky; March marks the tenth straight month of prices hovering between a 3-4% year-over-year gain, well above the Federal Reserve’s target of 2%. The economy added 303k jobs in March versus the 210k expected, the unemployment rate came in at 3.8%, and average hourly earnings were up 4.3% year-over-year. This marks the 26th straight month of an unemployment rate below 4%. We see better performance for sectors like Small-caps and International in March as a positive sign of a broader, healthier base for this rally. 

Q1 earnings season wrapped up with earnings growth of 6% year-over-year; this was higher than initial expectations of 3% and helps to justify the massive rally in stocks since October 2023.

This presentation is not an offer or a solicitation to buy or sell securities. The information contained in this presentation has been compiled from third party sources and is believed to be reliable; however, its accuracy is not guaranteed and should not be relied upon in any way, whatsoever. This presentation may not be construed as investment advice and does not give investment recommendations. Any opinion included in this report constitutes our judgment as of the date of this report and are subject to change without notice.


The views expressed are those of the author as of the date noted, are subject to change based on market and other various conditions. Material discussed is meant to provide general information and it is not to be construed as specific investment, tax or legal advice. Keep in mind that current and historical facts may not be indicative of future results. 


Certain risks exist with any type of investment and should be considered carefully before making any investment decisions. Keep in mind that current and historical facts may not be indicative of future results 


The information provided is for educational purposes only and not intended to provide any investment, tax or legal advice. 


Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website, herePast performance is not a guarantee of future results.

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