Have additional questions?
As a firm, we take very seriously our Fiduciary duty to always act in the client’s best interest (vs. just trying to sell you a product). In addition to a legal obligation, our firm has been built on a foundation of placing the client’s interest before any thoughts of our own compensation. We recommend for clients the same investment strategies used in our personal accounts and the accounts of our immediate family members. Our commitment to honest and ethical behavior has allowed us to build a very successful firm.
Yes. We have assisted clients in solving an assortment of financial issues such as 401(k) plans, IRS audits, family dynamics and death, disability, tax issues, real estate, debt, Social Security, Medicare, health insurance, college, gifting and almost any other financial issue imaginable. While we certainly don’t have all the answers, through our network of resources, we will not stop until a solution has been found.
It only makes sense to hire a financial advisor, or any professional, if the services they provide exceed the fees being charged. In other words, the time and effort saved, plus the tax savings, brain trust, and potentially increased investment returns need to exceed whatever the total expense of working with an advisor. The one-page financial plan we present to you will clearly quantify the benefits you will receive and at that time we can detail, in writing, the cost for these benefits.
Assets are protected and insured by an independent third-party custodian for safekeeping. We pride ourselves on providing a world-class client experience, and to help accomplish this, we work closely with high-quality custodians who allow us to do our best work for you. Our chosen custodian, Altruist, is responsible for safekeeping client assets, settling trades, and – just like Pershing, Charles Schwab, and Fidelity – adhering to a strict set of policy and regulatory requirements. At Altruist, your accounts are protected with comprehensive insurance coverage, adherence to FINRA and SEC policy, and industry-leading cybersecurity.
Ryan Janus is a CERTIFIED FINANCIAL PLANNER™, is an IRS Enrolled Agent, and has a bachelor’s degree in accounting. Along with meeting extensive training and experience requirements to become a CFP® professional and IRS Enrolled Agent, Ryan is fiercely committed to continuing to be the best advisor for our clients through rigorous ongoing education and mentorship from the country’s top minds in tax and financial planning.
The CFP® certification is the standard of excellence for the financial planning profession. Before anyone can call themselves a CFP professional, they must meet rigorous education, examination, experience, and ethical requirements. CFP professionals are trained in 72 areas of financial expertise and must accrue thousands of hours of experience prior to earning their certification.
Enrolled Agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete ongoing education. Enrolled Agents are federally licensed tax practitioners who are granted unlimited practice rights to represent taxpayers before IRS and are authorized to advise, represent, and prepare tax returns for individuals, partnerships, corporations, estates, trusts, and any entities with tax-reporting requirements.