Pursue what’s possible with an advisor committed to helping you build the plan that’s right for you.

For two decades, Cole Garcia has put his clients at the heart of everything we do, giving you a dedicated advisor who builds a tailored strategy, unlocks new opportunities, and keeps your goals front and center at every step.

Your Goals. Our Guidance.

We help you build a plan that supports your life, your priorities, and your long‑term vision.

Getting started

We begin by understanding your goals and gathering key information, then evaluate your situation, discuss your options, and build a plan together. From there, we implement your strategy, monitor its progress, and stay connected to review updates and make adjustments as needed.

How we communicate

We stay connected through scheduled outreach that includes regular planning reviews, check‑ins, ongoing education opportunities, and our client newsletter,

all designed to keep you informed and confident in your financial path. You’ll also have convenient online access to your accounts through your custodian and our secure client portal.

Our services

We offer a full range of planning resources and services to help you reach your goals, including comprehensive portfolio management, tailored investment strategies, income distribution planning, ongoing investment monitoring, insurance solutions, estate planning, periodic reviews, cash flow and tax planning, retirement and financial planning, wealth management, and coordination with other professionals.

Our fee structure

Our investment advisory practice is fee‑based, with annual advisory fees calculated as a simple percentage of assets under management. Additional charges may apply depending on your planning needs, so we encourage you to consult your advisor for a fee arrangement tailored to your specific circumstances.

How can we help you today?

Fee-Based Financial Planning

A relationship-based approach to working together.
A Financial Planning team who will help you understand and organize your financial objectives.
A detailed analysis of what it will take to reach your financial goals.
Knowledgeable and objective recommendations related to all areas of your financial situation.
A step by step written action plan so you can get started on the path to reaching your goals.
On going periodic review meetings to monitor and update your progress.
On going educational opportunities and subscription to our newsletter

Wealth Management Services

Asset management for individual and institutional clients
If you're seeking a customized portfolio utilizing asset allocation strategies, this may be the model for you.
Tailored portfolio designed after a detailed analysis of investment goals and risk tolerance.
Flexibility to use any investment company or product that fits your need-No proprietary products.
Transparency of Fees-Annual management charge is based on the amount of assets under management

401(k) for Employers

Better for your employees. Better for you.

We help you attract and keep talent by improving your plan’s design and making certain you are meeting your fiduciary responsibility.

What is your fiduciary responsibility?

As an employer with a defined contribution plan, your fiduciary duty means you are legally responsible for providing your employees with the highest standard of plan care.

Meeting your legal fiduciary responsibility

To help meet your fiduciary responsibility, we provide:

Customized employee policy statements
Customized investment policy statements
Quarterly investment reviews
Any available fiduciary services

Improve your plan's design and function

We’ll become experts in your plan and work to improve it so that it functions better and meets the saving and investment needs of your participants. We implement or improve your:

Safe-harbor design (matching and non-elective)
Cross-tested profit sharing
Auto-enrollment and escalation
Qualified default investment alternatives (QDIA)
Roth provision

Diversify your plan's investment menu

Our in-house investment team has constructed a highly-diverse investment menu, including:

Passively-managed index funds
Exchange-traded funds
Primarily low-cost institutional funds
Actively-managed investments

We're serious about educating your employees

We really value education. To support your company, your plan and your employees, we provide comprehensive educational materials, including:

Webcasts
Podcasts
Articles
On-site training
Phone support

As your fiduciary advisor, we can assist your employees with their retirement accounts, help protect you legally, and make your life and your job easier.

Why work with us

We're Fiduciaries

Being a fiduciary is the strongest standard in the financial advice industry. We are not only morally obligated; we are also legally obligated to do what is in your best interest at all times.

Fee-Based

Fee transparency is the only way you can effectively evaluate how we are doing. You will always know exactly how much we are being compensated. How can you evaluate the quality of service you are receiving without knowing what you are paying!

Independence

Independence is fundamental to providing the best advice. We do not create or sell any proprietary products. Being independent advisors, we represent our clients and not one company or product.

We Are Educators

We believe that education is key to providing the best advice. You will always know the reason for the advice we are giving and all the possible solutions to your problem.

A successful retirement starts with the right partner to help you achieve your goals.