Frequently Asked Questions
What does it mean to be “An Independent Advisor”?
An independent advisor has no incentive to offer any particular company's investment, insurance or tax product. We work for you, and provide you the same advice we would act upon ourselves, given the same circumstances.​
Are you a fiduciary? What does this actually mean?
Yes, we operate as fiduciaries and are committed to the fiduciary standard of care. Fiduciaries commit to putting the needs of their clients first. We operate in an advice-based capacity, not in a sales role. Ray also is a CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL, and complies with the CFP® Board's rigorous standard of care.
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Which investment custodians do you work with?
As an independent Registered Investment Advisory (RIA) Firm, we have the freedom to work with any investment custodian. Some of the custodians we work with include Schwab, Fidelity, Betterment, TSP, TIAA-Cref and more. We are also able to manage retirement funds such as 401k, 403b or 457 plans right where they are without rolling over to an IRA. We look forward to being of service in whatever manner makes the most sense for you.
Where is your office?
We are located in Virginia Beach Town Center at One Columbus Center, Suite 540. Call or come by for an appointment today!