We are fiduciaries. We represent only the interests of our clients, and no one else pays us other than clients.

For example, mutual funds do not pay us commissions "through the back door," a common practice in the financial industry. We do not accept payments from sales charges of products, whether during the buy or the sell cycle (we don't use index funds that contain sales charges).

We are 100% independent in our decision making. We do not report to bosses in New York or elsewhere to meet sales quotes. And we do not cross-sell other financial products such as annuities or insurance.