Champaign, IL Office

The firm provides discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, and business entities. Services described in the brochure include risk-based portfolio construction (generally implemented through no-load mutual funds and ETFs), retirement and estate planning, insurance and education planning, third-party adviser selection, and tax preparation and advisory services.

Investment decisions are guided by asset allocation and fundamental analysis and are implemented on a discretionary basis with ongoing monitoring and typically annual reviews; the brochure emphasizes a long-term, risk-focused approach and counsels clients against short-term market timing. Accounts are managed to client objectives and risk tolerances, and the firm uses diversified portfolios and periodic rebalancing to pursue those objectives.

The brochure discloses several features that distinguish the firm from many peers: one or more principals are licensed insurance agents and may receive commissions or trailing compensation for insurance products, and the firm offers in-house tax preparation and anticipates transitioning some tax services to a separate affiliated tax entity, which can create cross-referral dynamics. It also notes participation in educational conferences provided by custodial partners and the firm’s provision of client educational seminars or workshops, services that are less common among similar advisers.