Windsor, CO Office

The firm serves individual and high‑net‑worth clients as well as small businesses, providing discretionary and non‑discretionary asset management, financial planning, and annuity management. Like many peers, it charges percentage‑of‑assets fees and primarily constructs portfolios using stocks, bonds, mutual funds and exchange‑traded funds.

Investment recommendations are tailored to each client’s goals, time horizon and risk tolerance and draw on a mix of fundamental, technical and charting analysis to implement active mutual‑fund and ETF‑focused strategies. The firm also recommends third‑party managers when appropriate and describes a formal due‑diligence process for those managers (including ADV review, surprise‑audit checks and on‑site visits every 24 months), and it provides annuity oversight and planning services separate from variable sub‑account management.

Noteworthy differences from many peers include a disclosed self‑regulatory enforcement matter: a firm principal signed an Acceptance, Waiver & Consent with FINRA in 2012 relating to unsuitable recommendations, resulting in suspension and a fine. The firm is also affiliated with an insurance agency (the president acts as an insurance agent and receives commissions) and receives referral/ongoing fees from a third‑party manager; these relationships are identified in the brochure as potential conflicts and are addressed through disclosures and firm procedures.