Our Dad's approach was if you treated people right and did a good job regardless of the financial compensation, you’d work with enough people to be successful. If not, he’d say at very least you’d never have to hide from someone at a party because you’d advised them to do something that was in your financial interest rather than in their best interest.

Those lessons have stuck with us. We do not charge upfront fees or financial planning fees. If we help you get insurance that you need, the insurance company will pay us a commission. If you need an investment account, we can either set it up as an advisory account with an asset management fee or we can act as a broker and get paid a commission. The only time we would consider a financial planning fee is if we were doing it as a less expensive alternative to an asset management fee. Our clients have that choice because that’s how I would want to be treated by my advisors, so that’s how we treat our clients.