As a CERTIFIED FINANCIAL PLANNER™ Practitioner, I am a fiduciary—meaning I put my client's interests ahead of my own. Before I started my own firm, I worked for a company that provided advice for a fee; however if the client needed products due to a gap in their financial planning—we had to send them to an insurance agent or broker.

Under current SEC Regulation 202, they are required to have disclosures on their enrollment forms which effectively say, “Your account is a brokerage account and not an advisory account. Our interests may not be the same as yours. Please ask us questions to make sure you understand.” In setting up my firm, I wanted to ensure that not only could I provide sound financial counsel and investment advice, but that I could objectively find products on behalf of my clients that would shore up a weakness and do so at the lowest cost possible. As part of the implementation of our planning, we go to the market—saving you time—and compare and contrast various companies so that you are assured of getting the right product and best pricing. As an Investment Advisor Representative of Commonwealth, here are some of the products we offer access to and can analyze and help you purchase:

Oil & Gas Partnerships	Real Estate Investment Trusts (REITs)
Term Life Insurance	Variable Universal Life Insurance
Universal Life Insurance	Disability Insurance
Long-term Care Insurance	401(k) Plans
Group Life Insurance	Health Insurance
Variable Annuities	Single Premium Immediate Annuities
SEP Plans	Deferred Compensation Plans
Buy-Sell Insurance	Key Man Insurance
Hedge Funds	Futures & Commodity Funds