We can plan your brighter future!
Are industry norms and stereotypes
really in your best interest?
How often have you felt as though there must be a better way to manage your financial affairs?
What type of advice do you need
and how should you pay for it?
Should you have one portfolio
or multiple, goal driven portfolios?
As a result, our client portfolios don't necessarily look like everyone else's. We utilize many different types of investments and accounts.
Why limit your possibilities?
Our team's comprehensive expertise and diverse skill sets work together to plan, manage, and adjust the financial picture of our clients. This provides our clients with the confidence that their personal finances are in order, so they can focus on what is truly important to them.
Since 1987, I've been helping businesses and individuals safeguard their assets and plan for the retirement they want.
I provide financial advice as an Investment Advisor of Cambridge Investment Research Advisors and have earned the
Chartered Retirement Planning Counselor (CRPC©) and
Accredited Wealth Management Advisor (AWMA©)
designations from the College for Financial Planning.
When I'm not working, I enjoy playing golf, cooking, and spending time with my wife, four children and four grandchildren.
Tax brackets and rates will change.
We highly recommend to diversify your investment accounts with different tax structures so we have the flexibility
to manage the tax liability of
your assets during retirement.
The three tax structures are: taxable,
tax-deferred, and tax-free.
We incorporate tax reduction best practices to improve after-tax investment performance, such as type of income, asset location, tax loss harvesting, Roth conversions, and tax structure.
Tax laws change just about every year so your tax plan should too.
Why pay more in taxes than necessary?
A retirement income plan is a year-by-year timeline that shows you where your
retirement income will come from.
Our wealth management plan is designed to your specifications by a licensed financial advisor and incorporates retirement planning, tax planning, Social Security optimization, Medicare, and more.
There are many investment management styles including Risk Managed, Strategic, Tactical, Active, and Passive.
Which style(s) make the most sense
for your situation?
So many different types of investments, to diversify your portfolio, including individual stocks, bonds, CDs (even some linked to stock market indexes), mutual funds, exchange traded funds, crypto-currencies, real estate investment trusts, and partnerships to name a few.
Which one(s) can help you achieve your goals?
Being an independent advisor and fiduciary, we put your interests first and do not have proprietary products to cloud our judgment.
The College Planning Process is very complex and our solution encompasses student services, admissions, and financial services.
We work with a dedicated team of professionals to assist, guide, and support you and your student along the college planning path to a brighter future.
This option is for financial planning fees and hourly advice. It does not depend upon the value of your assets or investment products. Specific investments will not be recommended or monitored.
This option is based upon the total value of assets under management. The percentage depends upon the type of investment management and services provided. Specific investments are recommended and monitored.
Some investment strategies and/or investment products are best suited for a commission based account. For example, purchasing a 10 year US Treasury note; pay a small commission once is better for the client than paying an asset based fee for 10 years.
Probably a combination, but it depends upon what you want us to do
and which investment strategies and/or products are selected.
In any case, you will have a choice and know
how you wish to compensate us for our time and expertise.
Send me a message, and tell me more about your financial goals and needs. I will get back to you soon to schedule a consultation.
149 Roundabout Lane, Kerrville, Texas 78028, United States
Monday - Friday: 9am - 4:30pm
Saturday: By appointment
Copyright © 2023 Competitive Edge Wealth Management LLC - All Rights Reserved.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Competitive Edge Wealth Management LLC are not affiliated. Broker Check by FINRA.