About Us

Why work with us?

In a world where financial security and peace of mind are paramount, especially as you approach or navigate through retirement, choosing the right financial advisor is more critical than ever. For investors looking to manage their assets, secure healthcare, and maintain a desired lifestyle in retirement, Koren and Ann offer a blend of experience, empathy, and expertise that stands apart.

We recognize that todays investors face unique challenges: managing retirement savings in a fluctuating market, planning for unexpected healthcare costs, and ensuring a stable income to support your lifestyle in retirement. Koren and Ann have dedicated their careers to not just addressing these challenges but transforming them into opportunities. Their combined expertise in maximizing retirement income, navigating tax efficiencies, and strategic planning allows them to tailor solutions that fit your unique situation and aspirations.

What sets Koren and Ann apart is not just their financial acumen but their personal approach to advising. Drawing on Koren’s philosophy that every person deserves love and care, even in financial matters, and Ann’s belief in empowering through education and strategic planning, they offer a service that's both comprehensive and compassionate. They listen, understand, and then act, ensuring that your financial plan aligns with your personal values and goals.

The decision to hire a financial planner is as much about trust as it is about expertise. Koren and Ann have spent many years building long-lasting relationships with their clients, many of whom have been with them since their journey began. This enduring partnership is a testament to their ability to deliver not just results but also a sense of security and confidence to their clients.

As you consider your next steps towards securing a fulfilling retirement, think of Koren and Ann not just as advisors but as partners who are committed to your well-being. Their experience, coupled with a genuine care for your aspirations, makes them uniquely equipped to help you navigate the complexities of financial planning.

There are three main ways Koren and Ann work with their clients:

Creating financial plans (based on their personal goals and situation) that clients execute themselves; some then ask us to coach or guide them occasionally thereafter. Financial planning and consulting services are offered on an hourly fee basis, and there is no requirement for them to manage your money.
Managing personal wealth. In these situations, we are paid a small percentage fee based on assets (the industry norm).
Brokering products or services in the marketplace. Fees vary based on the product or service being bought or sold.

In all of these contexts, we regularly work with estate attorneys, tax attorneys, and CPAs who share our values in order to provide the best care for our clients — and we are always glad to work hand-in-hand with our clients’ existing professionals.

And because Cetera, the company we are affiliated with, is a completely independent financial advising firm, we are product agnostic, meaning we can help clients find the best investment product or retirement vehicle for them, regardless of vendor.