Our fees are based on your planning needs and our services are tailored to meet the financial advice you seek. It is important for you to have a clear understanding of how we are compensated for the work we do. We may be compensated in one or more of the following ways, but rest assured full disclosure and complete transparency will be strictly adhered to in connection with our financial agreement:

• Commissions – these are paid to us from the product sponsor
• Asset Management Fee – this is a percentage of assets managed
• Fee of service - either a flat fee or hourly consultative fee
• Combination of the three listed above