Blacksburg, VA Office

The firm provides investment advisory and financial planning services to individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations and retirement plans, and also offers retirement-plan advisory engagements (including a 3(21) advisory capacity). Services include discretionary portfolio management and project-based or ongoing financial planning engagements.

Investment portfolios are built using a mix of internal management and allocations to unaffiliated Independent Managers, drawing on fundamental and technical analysis with a primarily long-term orientation but flexibility for shorter-term trades; the firm may use individual equities, mutual funds, ETFs, bonds and covered options as appropriate. Portfolios are tailored to each client’s goals and risk tolerance and are monitored continuously with at least annual formal reviews.

Distinctive features disclosed in the brochure include the firm’s long operating history as a corporate entity combined with a recent conversion to registration as an SEC-registered adviser (operations as an RIA began in October 2023), a compact advisor team that manages client assets on a discretionary basis, and an institutional relationship with Charles Schwab Advisor Services that provides technology and other economic benefits. The brochure also discloses that the firm’s principals maintain separate insurance practices and receive commission-based compensation for insurance sales (one principal devotes about 10% of her time to insurance work and the other less than 20%), a potential conflict of interest that prospective clients should note.