01. About Us

We are an independent financial services practice drawing from over 40 years of experience in empowering clients to live on their terms through comprehensive financial planning and investment management.

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02. Our Philosophy

As a firm, our focus is to understand your goals and develop a plan to pursue them. We will meet with you to present an analysis and discuss our recommendations.

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03. Our Process

As financial planners, we follow the 7 Step CFP® Planning Process when providing our services.

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Our Services

 

Investment Management

Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth so you reach your financial goals.
 

Financial Planning

Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. We use a consultative approach to create a financial plan that aims to meet your objectives.
 

Retirement Planning

Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial wellbeing to help create a life after work that is as well-planned as your life while working.
 

Education Planning

Like Retirement Planning, which has to commence long before you enter into retirement, Education Planning (for yourself or your children) needs to occur well before mature learners or young scholars are poised to embrace higher education. Luckily, there are a number of government-encouraged...
 

Life Insurance

A popular misconception about life insurance planning, is that it’s something to do with ensuring others (your policy beneficiaries) enjoy the fruits of your insurance once you’ve passed. While that is just one aspect of planning for the inevitable, if executed properly, life insurance planning can...

Meet Our Team

Tom Zinckgraf

Since 1982, Tom Zinckgraf, LPL Registered Principal, has built his financial-services practice on a foundation of high integrity, prudent capital market guidance, a commitment to superior service and thorough attention to each client’s needs.

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Charlie Ward, CFP®

Charlie Ward is a CERTIFIED FINANCIAL PLANNER™ and LPL Financial Advisor with Investment Strategies Advisors. Before joining our practice, he enjoyed supporting individual investors and retirement plans at Merrill for several years.

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Tom Zinckgraf has been recognized as a
Five Star Wealth Manager!

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Award based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2025 Five Star Wealth Managers.

 

We are proud to be independent advisors focused on placing the needs of our clients first.

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