Our Core Values At Financial Plans & Strategies, we are value driven. Our philosophy defines our approach to financial planning. Our fiduciary responsibility is to our clients, and our success is defined by the long-term achievement of our clients' financial goals. Our process centers on developing a plan to allow our clients to meet their personal goals. To accomplish this we need to know our clients well enough to determine and quantify those goals. We believe a more educated client is a better client. We educate our clients until they are comfortable with the details of their personal financial plan.We provide client education through annual reviews and regular updates on general issues via webinars, podcasts and postings on our website (via our Blog and Information Center).We provide valuable services at a modest cost through a combination of experienced professional advisors, a highly regarded support staff and advanced technology.We utilize a dynamic asset allocation system. We believe that our dynamic approach to asset allocation helps us minimize risk and maximize return.We believe that market timing is NOT an effective long-term investment strategy.We believe that financial goals including building and maintaining a secure retirement, funding the education of children and grandchildren and leaving a personal or charitable estate are all interrelated and should be addressed in the context of a comprehensive financial and estate plan. We believe that most Americans are making major financial decisions with inadequate guidance. While we do offer enhanced services for more complex situations, we, as a professional firm, are committed to working with anyone who is willing to put in the effort to achieve financial success.