A financial plan is an extremely important tool that allows a person to understand where they are and how to proceed in managing their finances. It allows a person to understand the financial risks they have and to properly address them so a bad life event will not cause financial hardship. A well executed plan will allow for a consistent, sound, long term approach to investing. A plan makes important goals in life such as retirement or a college education achievable while maintaining a comfortable lifestyle. An effective plan combined with sound investments allows a client to accumulate wealth and thrive. It may allow a client to leave substantial assets to charity or to his or her heirs if that is their wish. It is our philosophy to provide a basic plan to almost anyone, not just a very wealthy client. It is our way of paying back individuals of modest means who helped us get our start in life and made this company possible.