First a word about what we don’t offer. We are not in the business of selling products. We don’t work on commission or accept referral payments from outside parties. We are a fee-only firm with conflict-free relationships with the professionals we choose to partner with. What we do provide are services intended to assist our clients with every aspect of their financial lives. These offerings enable us to develop a living, breathing financial plan that evolves over time as changes occur in our clients’ lives.