St. Augustine, FL Office

The firm is a small advisory practice with four advisors managing roughly $70 million for about 86 client relationships, serving individuals (including high‑net‑worth clients), trusts, estates, and corporate/business entities. It offers discretionary asset management alongside comprehensive financial planning and consulting services and may engage sub‑advisors or a platform manager to implement client portfolios.

Investment programs are tailored to each client’s goals, time horizon, and risk tolerance and draw on fundamental, technical, charting and cyclical analysis across long‑ and short‑term strategies; clients typically grant the firm discretionary trading authority while retaining the ability to impose written investment restrictions. The firm regularly delegates portions of portfolio management to third‑party sub‑advisors and uses a platform manager to execute model strategies and trades on client accounts.

Distinctive features include an affiliated insurance business through which supervised persons sell insurance products for separate, commission‑based compensation; the firm discloses this arrangement and notes procedures and fiduciary obligations intended to mitigate the resulting conflicts of interest. The brochure also discloses relationships with major custodians that provide non‑cash support and a principal’s involvement in a campus ministry (with a policy preventing students from being clients while still students), all of which are material considerations for prospective clients.