Thank you for your interest in my firm.

It is an understatement to say the world has experienced a radical shift in capital markets. Since September of last year, there are more layers of information and opinions on the direction of the world than we've seen in decades. The internet and the media certainly do not make it easier.

You may be facing a transition and wondering what to do next and whether a financial planner will help. Financial Planning does not have to automatically mean "investing in the stock market." The media and many investment folks alike, have probably helped inspired that belief. That's unfortunate. I believe that presumption today is one of the primary reasons why so many consumers are confused about whether to work with a financial planner. Dialing all of this down to your unique circumstances can become a daunting task.

Let me paint you a different picture: I have always started with the idea that true financial planning focuses on goals and objectives first. This provides clarity as to how investments could be deployed. It does not automatically mean one puts all their investments into the stock market. It never has. You have a choice and it is matter of education around those tradeoffs. That's the process I've always been committed to.

I offer fee-only financial planning and investment advice. I am on the same side of the table as you and work for you and only you. I serve you as a financial advocate: whatever financial information crosses your desk, should cross my desk.

We create an environment unencumbered with conflict and you receive objective, unbiased, specific advice, focused on goal attainment and risk management, while keeping decisions and costs in your control at all times.

Clients who hire me are interested in long-term, authentic relationships. They seek someone that offers top-of-the-mind awareness and a pathway to peace of mind. Clients who hire me are not simply looking for answers; that they can often do on their own. Clients are looking for a thought-process and solutions that match their unique values and objectives. The thought-process to get to the answer is often more important than the answer itself. Clients who hire me are the decision makers, as it should be.

I help clients think through critical financial planning issues; offering insight, direction, discipline, and stability. I coordinate and collaborate with my clients' other advisors; providing leadership and frank discussion so their agenda is the client's agenda. Building our relationship over time allows us to grow together as a team, while my services continue to be even more valuable.

Effective communication is critical and the strong desire to reach your objectives is a prerequisite for success. We are investing in a relationship that will require shared effort and energy, but will also celebrate long-term financial peace of mind. Our success together will be measured by the integrity of our relationship and the attainment of your goals.

I am a fiduciary. I am fee-only. The only income I receive is paid directly by you. I fully disclose all compensation.

I charge roughly the same as others, but I specialize in what you need.

I welcome you to learn more about my services through this website or by contacting me direct at 608-827-6755. I look forward to the opportunity to serve you.

Warmly,

Michael A. Dubis, President