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Franklin Tennessee

725 Cool Springs Boulevard

Suite 600
Franklin, TN 37067

Troy Michigan

101 W. Big Beaver Road

Suite 1400
Troy, MI 48084


Do you know exactly how much money it is going to take for you to retire comfortably? And to remain comfortably retired?

Planning your financial life is not a one-way conversation. It's a relationship between your most trusted advisor and your family. Our goal is to guide you in revealing your vision of what your desired future looks like and once in place, we work together toward your goals. And as your life changes, your plan changes and we are there to continually simplify the journey.

To help you understand what to expect from us, we follow the seven step process, developed by the CFP® Board of Standards. (Certified Financial Planning Board)

  1. Understanding the Client's Personal and Financial Circumstances
  2. Identifying and Selecting Goals
  3. Analyzing the Client's Current Course of Action and Potential Alternative Course(s) of Action
  4. Developing the Financial Planning Recommendation(s)
  5. Presenting the Financial Planning Recommendation(s)
  6. Implementing the Financial Planning Recommendation(s)
  7. Monitoring Progress and Updating

If these steps seem new to you, it is probably because you work with someone who does not provide a comprehensive financial and investment planning strategy.  In these times, we believe you need to demand that an advisor is committed to providing ongoing education and a process for you to help pursue your life-long goals and desires.

Tax Efficient Distribution Planning

Try Our Financial Planning Tool

Help Pursue Your Financial Goals

Help Pursue Your Financial Goals

Ready to take control of your financial future? Start by selecting a goal that is most important to you. You’ll be able to see if you’re on track and how simple adjustments can impact the potential to reach your goal. Once you’re ready, request a consultation, and we’ll work together to build a plan aimed at making your financial goals a reality.

Controlling Emotions & Avoiding Self-Destructive Behavior

"The dominate determinate of long-term, real life investment returns is

the behavior of the investor themselves." --- Nick Murray

Behavioral Investing in Practice

As your financial behavioral coach, we guide you during times of both Euphoria and Fear, in order for you to make decisions based on your family's long-term financial plan...not today's most recent media manifested "crisis."

8 Behaviors to Avoid

  1. Over Diversification
    • By owning own nothing
  2. Under Diversification
    • Owning just one idea
  3. Euphoria
    • The herd mentality
  4. Panic
    • Fear of a temporary decline
  5. Speculation
    • Or more accurately stated -- Speculating when you think you are investing
  6. Believing this time is different
    • Not understanding the difference between Volatility and Risk
  7. Timing and Selection
    • When to be in or out of the market.  What investment to own for today
  8. Asset class confusion
    • Investing for Current Yield vs. Total Return

Schedule A Meeting With Joe