Cathy A. Wagner, CFP, RIA

The firm provides individualized financial planning and ongoing financial advice to individuals, trusts, estates, corporations and other business entities, covering retirement, estate, income tax, risk management and college planning. It conducts a discovery and planning process that produces written recommendations and coordinates implementation with other professionals when appropriate.

The adviser performs regular reviews of client plans and updates strategies as life events or changes in law occur, with review frequency set by client need (quarterly, semi‑annual or annual). The firm does not hold custody or exercise investment discretion over client assets, and asset management activities are conducted under the corporate RIA arrangement described in its brochure; the firm reported managing no client assets as of December 31, 2017.

Compared with many investment managers, the firm typically charges planning fees on a fixed or hourly basis and does not use percentage‑of‑assets‑under‑management fees, an uncommon fee approach in this category. The adviser is also active as a registered representative of a broker‑dealer and is licensed to sell insurance, with advisory activities processed through the broker‑dealer’s clearing relationship—arrangements the brochure discloses can create potential conflicts of interest, and clients are under no obligation to purchase recommended products.