This site is for ideas only.

This web site is not intended to be advertising, but if considered to be advertising or similar communication in any jurisdiction, the following statement applies: The choice of a financial/life planner is an important decision and should not be based solely upon advertisements.

We represent only those with whom a formal engagement agreement has been executed by us and the Client. Until we have formalized a Client/Planner relationship, please do NOT consider that you have engaged us for planning of any type. Please do not send us any confidential information, because in the absence of a formalized relationship, it may not be adequately protected. In the absence of our express agreement to act as your planner, we do not accept any duty to you whatsoever.