what we do

Financial Planning


Nearly everyone in the financial services profession claims to do financial planning, but few do it comprehensively and independently (that is without a bias toward a commission driven sales recommendation). A financial plan is not a three-ring binder that you place on the shelf at home. It’s not fancy charts, web portals or Monte Carlo simulations.
A brick home offers a great analogy. Nearly 20% of the surface area is mortar. Standing from afar the mortar is hardly visible, yet the mortar not only binds the bricks together, it also subtlety influences the appearance.
Financial planning is the mortar binding the various pieces of your financial life together. Yes, it requires tools and software. It also requires professional discernment, communicating the costs and benefits of various strategies, and helping quantify risk in terms you understand. Your financial plan also changes and evolves over time, just like you do. It requires refinement and adjustment, and like navigating a ship, may require mid-course corrections along the way.
Over the course of our engagement we review and analyze the following key areas:
• Investment Strategy
• Risk Management / Insurance
• Wealth Transfer / Estate Planning
• Income Tax / Cash Flow
• Retirement Planning
• Educational Funding
• Charitable Gifting

We review our findings and partner with you to implement any necessary changes, coordinating with other professionals when necessary. We monitor progress toward goals on an on-going basis and proactively identify issues as your circumstances change over time.

Investment Management


We have confidence in the power and efficiency of capital markets to provide positive returns over time. Our investment philosophy is based on the belief that strategies designed to capture these returns will provide a better investment experience for our clients over the long term.

Our portfolios use funds focused on capturing market returns, avoiding risks that don’t add value, and reducing costs. We believe our investment approach puts the odds of a successful investment experience in your favor. The bedrock of our investment philosophy is based on the strategies developed by Dimensional Fund Advisors (DFA). DFA blends the best of academic finance with sophisticated implementation to produce market-based, low cost investment portfolios that have stood the test of time. We call this approach evidence-based investing.

There are several key tenets of evidence-based investing:

  • Diversification reduces risk. By holding entire market components, and diversifying both within and across asset classes, one maximizes the benefits of diversification.

  • Risk and return are related. By “tilting” the portfolio to “value”and “size”and “profitability” factors, the investor can expect to capture the highest market return given his or her risk tolerance.

  • Sophisticated trading (i.e. providing liquidity to other investors) can enhance returns

  • Markets work. Markets reflect fair pricing almost instantaneously upon release of any good or bad price-related news.

We’re eager to share more about how our approach can help you achieve the investment experience you desire.


Should your financial needs require the services of a corporate trustee, our partnership with National Advisors Trust (NATCO) enables us to provide professional fiduciary stewardship combined with the continuity of working with us as your wealth advisor.


National Advisors Trust was founded by a nationwide consortium of independent financial planners, and is managed by financial planners who have a deep understanding of clients’ trust needs. NATCO is federally chartered and regulated by the Office of the Comptroller of the Currency (OCC), a bureau of the U.S. Treasury Department, and is authorized to do business in all 50 states.


National Advisors Trust has built a solid financial institution that brings independence, security and trust to clients. You receive responsive service, attention to detail and the highest standard of professional excellence, while maintaining the trusted relationship and wealth management strategy built with Ark Royal Wealth Management.