112 Cedar St. Carrollton, GA 30117

Our Process

Introduction & Discovery

We begin this stage during our initial meeting where we get to know one another. We focus on what your specific needs are and what you want your money to do for you.

Data Gathering

Think of this stage as working with an architect to gather important data to begin the process of designing your financial blueprint.

Your Financial Blueprint

Through each of the rooms, we will work together to finalize your plan. Like the story of The 3 Little Pigs, we will devise a blueprint that helps you and your family build a “house of bricks” so you can live the lifestyle you deserve and preserve the legacy you’ve worked so hard to achieve.

Matching Investment Risk to Your Financial Blueprint

Think of this stage where the architect and builder come together to finalize your first draft of your financial blueprint. This is the stage where we will determine what rate of return you need combined with your risk aversion points. We will also recommend solutions to help you protect, build and maintain true wealth.

Introduction & Discovery

We aren’t a “set it” and “forget it” firm. We set your financial blueprint in action, then consistently monitor your plan and keep in touch with you. As life happens, we’ll make any needed updates to reflect your major life changes or market conditions.

Your Financial House

If you’ve ever built a house or known somebody who has, you know there was a vision of what it would look like long before it was constructed. If you told the builder, “Listen, we’ve taken pictures off the internet,sketched out some designs and this is how wethink the house should look. We really don’t want to do a blueprint… just start building.” The builder would never take that job.

Sadly in the financial service industry, you can meet with a financial advisor, share your vision, thoughts and financial statements only to watch the advisor jot down a few notes and say, “Now that I have a glimpse of your vision, let’s take your money and place them in “these investments” which have historically done well.”

This is the equivalent of a builder who would take your money and start building your house without a blueprint. You would never build a house without a blueprint. Why would you do the same with your financial future? You need a financial blueprint to build Your Financial House

House Silhouette

Life Insurance Planning

Okay, we know this isn’t a fun topic to discuss. However, we know, life doesn’t guarantee us tomorrow. We value helping you determine how much or how little life insurance you need depending on your circumstances and stage of life.

You buy life insurance not because you’re going to die, but because those you love are going to live—and you want them to be financially secure after you’re gone.

Long Term Care Insurance Planning

Let’s face it—the discussion that our health may one day decline to a point where we need help in the home, move into an assisted living community or live our final days in a nursing home isn’t an enjoyable topic. The reality, however, is we need to prepare in case it does.

The cost of care can potentially eat up your entire life’s savings.

Purchasing long-term care insurance can help you have peace of mind. You’ll know that if you become ill, you can afford the care you need and still have enough money for you and your spouse to eat. Plus, your children won’t be burdened with huge payments for your care.

We value helping you plan for this unforeseen event so you can afford the absolute best care and circumstances should a long-term care need arise in your lifetime.


Investment Management

We offer a process-driven, fee-based approach to money management. Our investment strategy is designed to MEASURE, MANAGE and POTENTIALLY MITIGATE RISK. Most importantly, it adapts to economic and market changes, which keeps your portfolio from being stuck in one spot while the world moves on and leaves you behind.

The Power of Fiduciary Advice

We’re committed to your success and finding the right strategy for you. We pair our advice and knowledge with the dynamic offerings of Strategic Asset Management and Model Wealth Portfolios to help us craft this strategy. Through these advisory platforms, we can offer you access to a wide variety of investments to increase your portfolio’s diversification. In addition, investments you already own can be combined with those we select to complete your customized portfolio and add to the potential success of your plan. Your unique circumstances and personal objectives dictate the method of investing, as well as the type of investments we choose.

Fee-based Advice

By virtue of using our advisory platforms, we can work under a fee-based model. Fee-based asset management allows us to share a common goal with you. To grow the value of your assets, and ties our compensation directly to the performance of your account. Instead of commissions, we earn an annual fee based on the market value of the account. You succeed. We succeed. This allows us to concentrate on what matters most—building an investment portfolio that seeks to address your specific needs.

Building Your Portfolio

We use a repeatable, thoughtful process to determine the right strategy for you and your objectives.

1. Clarify your goals and timeline

The first step in building your portfolio strategy is determining your financial goas and when you want to accomplish them. We will sit down with you to clarify what you hope to achieve from your investments, whether that’s planning for retirement, income generation during retirement, estate planning for the next generation, charitable giving, saving for a child’s college education, working toward a larger purchase and more. Together, we’ll establish goals that will guide our strategy decisions.

2. Determine your risk tolerance

Once we know what you hope to accomplish, the next step is figuring out how you feel about investing. We will spend time working with you to determine if you prefer a more conservative or aggressive approach, or somewhere in between.

3. Identify an investment style

Next, we will work with you to determine which investment style is best for your specific goals and current market conditions. The two primary investment-style options are strategic and tactical.

Strategic investing allows you to stay full invested in a steady asset allocation model using a traditional buy-and-hold investment philosophy. Your asset allocation would be based on our market research long-term outlook and wouldn’t change much due to market fluctuations.

Tactical investing attempts to take advantage of short-term market fluctuations to find opportunities for larger gains. In this case, your asset allocation would be based on a shorter time frame and change more often as a result of the market’s movements. Because more trading occurs in tactical investing, we’d have to consider the tax impact of this type of strategy. There’s a wide variety of tactical investment management styles, which we’ll discuss when it’s time to look at the models best suited for you.

We can also choose to combine strategies and tactical models if it makes sense for you and your objectives.

4. Select your investment theme

The last major piece of the portfolio puzzle is your investment theme, which is the overall objective your portfolio will drive toward. Your goals, risk tolerance and preferred investment style will help our firm’s advisors determine the best theme for your portfolio.

The following are a few examples of our investment themes:

Core Strategies are for client’s whose focus is to accumulate assets over time to meet a specific goal. For example, to save for retirement, send a child to college, acquire a home, etc.

Income Generation Strategies are for clients whose primary objective is to withdraw assets from their portfolio to manage current expenses without depleting their initial investment. For example, to support your current living requirements.

Risk Aware Strategies are for clients whose primary objective is the preservation of their accumulated assets. For example, if you get nervous about market volatility or would prefer to preserve what you have, rather than seeking higher returns.

Complementary Strategies are for rounding out and supplementing your portfolio. For example, if we determine you need strategies to dial down or dial up the risk in your portfolio.

5. Implement your portfolio

Once we’re ready to bring your portfolio to life, we’ll discuss your expectations and review what we want to accomplish through your customized strategy. To get your portfolio up and running, we’ll:

  • Transition your existing securities
  • Determine the type of account ownership and beneficiaries
  • Discuss the source of funds
  • Complete and sign all paperwork

6. Review and manage your portfolio

Once your investments are in place, we’ll continue to review and manage your portfolio on an ongoing basis. The ongoing management of your portfolio will include:

  • Regular meetings and discussions so you can feel comfortable with your continued strategy
  • Active, ongoing portfolio reviews
  • Periodic reexamination of your investment strategy to make sure it continues to stay aligned with your situation and objectives
  • Rebalancing decisions to ensure the allocation of your assets remains in line with your stated investment objectives
  • Monthly statements including annual advisory account performance along with the access to track your account(s) at any time via website and app.

Straightforward Fees

You should know what you’re paying your advisor and how we apply those fees to your investments. We’ll explain our fee structure so you have confidence that you’re receiving value from your advisor.

The problem with commissions? They have a way of interfering with sound recommendations. Instead, we are fee-based in order to be the very best steward of your financial future, as well as operating as licensed fiduciaries.

We don’t work on commissions. Instead, we earn our pay through insight and prudence, not churning sales. We stake our growth on your growth, on your performance year after year. So, our clients see us as their long-term partner.

You succeed—we succeed.

Experience The Difference