At evolve financial, I am dedicated to Comprehensive Financial Planning. Often when one hears the term financial planning, they immediately think of investment advice. In fact, a person or family's financial situation is made up of a myriad of components including Asset Management, Retirement Planning, Tax Planning, Education Planning, Risk Management, and Estate Planning. Before having the ability to make an informed financial decision, one needs to identify and prioritize their goals, as well as consider the many different components impacting that decision. The comprehensive financial plan we develop provides the framework necessary to make informed decisions. Over time, working together, we monitor your progress and modify the plan, as necessary. This is essential to achieving financial success and protecting your financial future.
|Firm Start Year:||1998|
|Insurance License#:||WA 138488, MA 2066775|
|States Licensed in:||WA MA|
|Number of Years with Current Firm:||16|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Health , Variable Life , Long Term Care , Disability , Variable Annuity , Life|
|Financial Organization Memberships:||American Institute of Certified Public Accountants (AICPA) , Financial Planning Association (FPA)|
|Investment Advisor Representative:||Yes|
|I am an acknowledged fiduciary:||Yes|
|Compliance Disclosures in Last 5 years:||I have a clean record|
|Criminal Disclosures in Last 5 years:||I have a clean record|
Compensation and Fees
|Fee Structure:||I am a fee-based financial professional|
|Compensation Methods:||Flat Fee , Hourly , Based on Assets|
Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, and Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and evolve financial are not affiliated.
Clients of evolve financial benefit from my being one of a select group of advisors internationally that have been approved by Dimensional Fund Advisors (DFA) to provide client access to their mutual funds. Dimensional has forged deep working relationships with leading financial economists including Eugene Fama (Nobel Prize in Economics 2013), Kenneth French (Professor of Finance at Dartmouth's Tuck School of Business and partner to Fama on much of his research), and Robert Merton (Nobel Prize in Economics 1997) who work closely with their Portfolio Management, Trading, and Research teams, in addition to serving on their Investment Research Committee. The opportunity for vigorous exchange between their internal researchers and these lauded academics has allowed them to bring the ideas of financial science to life for investors.
Financial Advice & Consulting
I believe in truly comprehensive financial planning and strive to become my client's trusted advisor, acting as their Personal CFO. Your plan will address all aspects of financial planning: cash flow and financial position, wealth accumulation, retirement planning, risk management, tax planning, and estate planning. Since I serve a select group of clients, I am able to provide a superior level of customized service. I strive to fully understand your values, goals and dreams. Then, and only then, do I develop a financial plan that is specifically tailored to your needs. evolve financial is affiliated with Cambridge Investment Research, an independent broker-dealer. Since our firm is independent, I am able to provide objective, comprehensive advice, without any pressure to promote specific products or services. Most importantly, as a CFP®, I take my role as your Fiduciary very seriously, making sure that my recommendations are truly in your best interest.
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement. They include Lifetime Income Need, Social Security Maximization, Health Care Needs, and Estate Planning.
|Port Gamble||Port Orchard|