• Who do you work with?

    We work with individuals, families, business owners, pre-retirees, retirees, and those navigating major life transitions. Our clients are often planning for retirement, saving for a home or college education, growing a business, or seeking stability after the loss of a loved one.

    Our approach is highly personalized, because no two financial journeys are the same.

  • How do you help individuals and families with financial planning?

    We help individuals and families plan for life’s major milestones, including retirement planning, home ownership, college savings, insurance needs, and long-term wealth building.

    Your financial plan is tailored to your goals, values, and risk tolerance, helping you move forward with clarity and confidence.

  • What services do you offer for business owners?

    We specialize in small business retirement plans, including SIMPLE IRAs and other employer-sponsored retirement strategy.

    In today’s competitive Pacific Northwest job market, offering employee retirement benefits can be essential for attracting and retaining top talent. Whether you’re self-employed or managing a growing team, we help design plans that work for both you and your employees.

  • Do you specialize in retirement planning?

    Yes. Retirement planning is a core focus of our practice.

    We help pre-retirees and retirees manage assets before and throughout retirement with an emphasis on:

    • Income strategies
    • Preservation of capital
    • Investment management
    • Long-term financial independence

    Our goal is to help you enjoy a confident and sustainable retirement lifestyle.

  • How do you support widows and widowers or those recently independent?

    Losing a loved one is one of life’s most difficult transitions. We provide compassionate financial guidance for widows and widowers, helping you take thoughtful action while honoring your grief.

    We focus on stabilizing finances, organizing accounts, and creating a plan that supports long-term independence and confidence.

  • What areas of financial expertise do you offer?

    Our areas of expertise include:

    • Financial & Retirement Planning – Comprehensive planning aligned with your life goals
    • Insurance Planning – Risk management and protection strategies
    • Investment Management – Ongoing portfolio management and rebalancing
    • Estate & Legacy Planning – Helping ensure your assets are passed on intentionally
    • Small Business Retirement Plans – Solutions for employers and entrepreneurs
    • College Savings Planning – Including 529 plans
    • ESG Investing – Environmental, Social, and Governance-focused investment strategies
  • What is your investment philosophy?

    Our investment philosophy centers on long-term success through disciplined management and ongoing guidance.

    We take time to understand your lifestyle, values, goals, and risk tolerance, then provide thoughtful advice designed to enhance your financial outlook and help propel you toward what matters most.

  • How do you get paid for your services?

    We are transparent about how we are compensated. There are three ways we receive compensation:

    Financial Planning Fees
    Beginning in 2026, we offer fee-based financial plans. A one-time fee is charged based on plan complexity and includes data gathering, plan creation, revisions, and reviews.

    Commissions
    Some investments, such as 529 college savings plans, SIMPLE IRAs, annuities, and insurance products, may include commissions. These are always disclosed in advance. For insurance products, commissions are paid by the insurance company—not from your account balance.

    Advisory (AUM) Fees
    For certain advisory accounts, we charge an annual, tiered fee based on account value. For example, balances up to $100,000 are charged at 1.3% annually, billed quarterly. This includes portfolio rebalancing and ongoing investment management.

  • Where can I learn more about advisor compensation and disclosures?

    You can review additional details about financial advisor compensation and services by reading Form CRS (Client Relationship Summary).

    View Form CRS here

  • What does it mean to be a fiduciary?

    A fiduciary is a financial professional legally required to act in a client’s best interest.

    This means recommendations must align with your goals, needs, and financial situation—not the advisor’s compensation.

  • Do you act as a fiduciary?

    Yes.

    Craig Cooper is an Investment Advisor Representative (IAR) holding Series 7 and Series 66 licenses through FINRA and the SEC. As an IAR, he is required to act as a fiduciary and place clients’ best interests first at all times.

  • Do you offer ESG or socially responsible investing?

    Yes. We offer Environmental, Social, and Governance (ESG) investing options for clients who want their investments to reflect their values while still pursuing long-term financial goals.

    We’ll help determine whether ESG strategies align with your objectives and risk tolerance.


    Environmental Social Governance (ESG) Investing (FDI) has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller


     

  • Do you offer virtual financial planning meetings?

    Yes. We meet with clients in person at our Fairhaven neighborhood office, as well as virtually via Zoom or by phone.

    You can schedule a meeting through the Book a Meeting link on our website.

  • What is the first step to getting started?

    The first step is a conversation.

    We’ll discuss your goals, concerns, and priorities to determine whether we’re a good fit and how we can help. From there, we outline next steps tailored to your situation.

  • Quick Reference Summary

    Who We Serve:
    Individuals & families • Business owners • Pre-retirees & retirees • Widows & widowers

    Core Services:
    Financial planning • Retirement planning • Investment management • Insurance planning • Estate planning • College savings • Small business retirement plans • ESG investing

    Compensation Options:
    One-time planning fees • Commissions (disclosed in advance) • Tiered advisory (AUM) fees

    Fiduciary Standard:
    Yes — always acting in clients’ best interests

    Meeting Options:
    In-person (Fairhaven) • Zoom • Phone

    Next Step:
    Schedule a consultation using the Book a Meeting link