Sleep-Well-At-Night Investing For Our Community’s Heroes.

We handle the market noise so you can focus on faith, family, and the freedoms you’ve earned.

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Optimized
For You

Data Driven

Tax Aware

Less Volatility.
Higher Expected Rates Of Return.

We create personal stock and ETF portfolios for each of our clients’ growth allocations.

We help you reduce risk and increase your expected long term rate of returns.

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Only the best.

There are tons of great investment ideas for growth.

✔Dividend Stocks
✔Value Investing
✔Indexing
and so many more.

However, over time, they all have moments where they underperform and hurt retirement income.

We solve this problem by using optimization, professional execution, & diversification.

Where is my money held?

We leverage Altruist to deliver faster, more personalized financial solutions.

  • Altruist's technology streamlines account management, allowing us to open, fund, and manage your investments faster and with precision.

  • We leverage fractional shares and tax-efficient investing, ensuring your portfolio is fully customized—no matter your account size.

  • With industry-leading security and insurance, Altruist ensures your assets are safeguarded like with any top custodian, minus unnecessary risk.

  • Less paperwork, more planning. We focus on delivering personalized financial guidance that matters to you.

FAQs

  • Flat annual percentage, billed monthly, directly from your account. No trading or custodial junk fees.

  • Guardrails lock in gains and cut withdrawals when needed - your essential income stays covered.

  • You can request an ACH from your Altruist account for most requests. Typically takes a few business days to clear and settle in your bank account.

  • Yes—held-away management. We align its allocation with the rest of the growth bucket so nothing works at cross-purposes.

  • We start with essential expenses, build guaranteed income to cover them, then let guardrails decide when to take growth-bucket withdrawals—never guesswork.

  • Guardrails set an upper/lower band around your starting balance.

    • Portfolio up 25-30 %? ✔ Give yourself a raise.

    • Down 20-25 %? ❌ Pause raises to protect principal.

    It keeps paychecks steady without running the tank dry.

  • Formal review = quarterly. We decide to rebalance and/or reconstitute holdings in your portfolio.

    Automatic rebalancing = as soon as any holding drifts 20%+ from its target allocation.

    Emergencies? We act sooner.

  • The income bucket (safe assets + annuities) funds checks for 10+ years.

    Your growth bucket gets time to heal—no forced selling at the bottom.

  • • Roth conversions in low-bracket years

    • Tax-aware asset location

    • Harvest losses when markets dip

    • Coordinate with your CPA—so surprises stay off the table.

  • It’s our engine for funding retirement raises.

    • Allocate growth capital to custom stock/ETF portfolios.

    • Use dynamic guardrails to decide when to harvest gains for income.

    • Keep taxes and risk in check—so growth never outruns prudence.

  • Three filters:

    1️⃣ Essential costs already covered by guaranteed income & reserves.

    2️⃣ Time horizon until funds are needed.

    3️⃣ Personal risk capacity (tested with scenario analysis).

    The rest stays in lower-volatility buckets.

  • We target CPI + 4 % net of fees over a full cycle—enough to outpace inflation without taking casino-level risk.

  • Both.

    • Core: Low-cost ETFs for broad diversification.

    • Satellite: Rules-based equity strategies built for extra alpha.

    Everything is implemented at Altruist for seamless custody.

  • • 10-year income bucket shields you from forced selling.

    • Guardrails throttle distributions early.

    • Tactical loss harvesting cushions taxes.

    History shows the combo keeps plans intact—even in deep drawdowns.

  • Only when they reduce risk or enhance diversification for your plan.

    No meme bets. Stewardship over speculation.

  • • Institutional-share ETFs (avg. expense < 0.10 %).

    • Zero trading commissions at Altruist.

    • One transparent advisory fee—no layers, no revenue-sharing.

  • Yes—faith-aligned or ESG filters via screened ETFs and custom stock lists.

    No sin stocks if you don’t want them.

  • Assets transfer to any custodian you choose—no exit fees, no proprietary products to unwind. Stewardship doesn’t trap people.

Start Today!