Meet the team
Justin Dering, CFP®
Daniel Schoenecker, CFA, MBA
A Simple, Straight-Forward Approach
We help our clients invest their money and make sense of their finances through a holistic understanding of investments, tax, estate planning, retirement planning and employee benefits.
Our simple, straight-forward approach was arrived at by navigating an environment that is anything but simple. Wall Street would have you believe that complexity is required in order to be a successful investor. The evidence suggests otherwise. We’ll help you navigate these waters and bring you the peace of mind that you have earned.
What is a modern approach? Cutting edge financial advisors have moved on from the sales-driven ways of the past. We operate on a fee-only basis and maintain a fiduciary obligation to our clients. You're not going to be sold stuff here. Our job is to help you plan your finances and invest accordingly.
Our Wealth Management Process
Gather data, identify inefficiencies, understand goals
Form a plan and invest accordingly
Monitor & Review
Stay on track, maintain discipline and adapt to change
Focus On What Can Be Controlled
It’s common for clients to overestimate the ability of their advisors to predict market movements and make timely transactions based on those predictions. This is not what we do. Instead, we place emphasis on things that can be controlled – risk, expenses, taxes, and investor behavior.
Wall Street has perpetuated the myth that to be a successful investor, you need to pick the right stock, invest in the best products, choose the best manager, get in and out of the market at the right time, etc. The reality is that markets are extremely efficiently priced, and these tactics cannot be consistently relied upon. We believe a humble understanding of what you don’t know can be as important as what you do know.
Investment decisions shouldn't be based on news headlines. Your investment decisions should be informed by your financial plan and your own circumstances and time horizon.
Nearly every financial decision you make has risk, suggesting that there is potential reward with each of those decisions. We’ll be there to help.