"The Baby Boomer generation faces a variety of challenges to a secure retirement, including longer life spans, volatile securities markets, unease regarding the future of social security, and the demise of traditional pensions.  It's easy to get off-track in this complex and dynamic environment.  We come to work every day to provide clarity and guidance in service to clients we care about.  Our fiduciary responsibility requires us to put clients' interests above our own, but we feel that is just the right thing to do."

Phillip L. Smelser
Charted Retirement Planning Counselor