Business Practices & Credentials

Living in accordance with our deepest values, always being honest and keeping our word, are fundamental to integrity and building trusting relationships. And, what inspires our pursuit of life-long learning and credentials to ensure we are in the best possible position to carry out our purpose - always doing what is in your best interest.

Business Practices

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Fiduciary

As a Registered Investment Advisor (RIA), we are held to the highest standard of care and must act in the best interests of clients at all times.

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Independent

We are independently owned with no sales quotas or corporate interests to serve. We work for our clients and no one else.

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No Conflicts of Interest

We do not accept any vendor perks, investment securities commissions, transaction fees, incentives or anything else that impairs our objectivity.

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No Proprietary Products

We are not bound to any family of funds, investment products, or services.

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Life-long Learning

As knowledgeable and experienced advisors we recognize the importance of life-long learning to meet the evolving needs of our clients.

Credentials


Chartered Financial Consultant - Rick Cambell
  • Rick W. Campbell

Chartered Financial Consultant

A Chartered Financial Consultant (ChFC®) is an educated, experienced and qualified specialist committed to your financial well-being and that of your family and business. A ChFC® can provide expert advice on a broad range of financial planning topics. With the help and knowledge of a ChFC® you can create a sound financial plan, minimize your income taxes, increase your nest egg for retirement, maximize your investments, and enhance the value of your estate. But most importantly of all, a ChFC® pledges to place your interests above all else when helping to establish financial goals and implement a financial plan.


Certified Financial Planner - Mark Lavallee
  • Mark Lavallee

  • Kevin Pierro

Certified Financial Planner

In a world where people are more responsible than ever for their financial lives, it’s important that they understand the key things they need to do in each phase of their life. The Certified Financial Planner (CFP®) certification is recognized as the highest standard in personal financial planning. Although in practice CFP®s and ChFC®s are not all that different, the distinction really lies in what’s required to earn each certification. The important fact is that you want to work with advisors who have the education, experience, have passed comprehensive exams testing their abilities to apply financial planning knowledge to real-life situations, and are held to the highest standards of ethics and professional responsibility.


Behavioral Financial Advisor - Rick Cambell
  • Rick W. Campbell

Behavioral Financial Advisor

To varying degrees, we are hardwired to avoid pain, play it safe, and pursue pleasure. That means investment management that disregards your emotions and behaviors just won’t work. We provide coaching and reassurance so you can feel calm when the markets are not. We help you understand and put into perspective short-term market swings so you can stay focused on your long-term goals. Your investment portfolio will be tailored not only to your goals but also to your tolerance for risk—so you can stay the course for the returns you need to achieve your dreams.


Accredited Investment Fiduciary - Rick Cambell
  • Rick W. Campbell

Accredited Investment Fiduciary

That trust is grounded in our unwavering commitment to act solely in your best interest with undivided loyalty. As an investment fiduciary who has earned the Accredited Investment Fiduciary® Designation from the Center for Fiduciary Studies™, Rick continues to set Financial Independence apart and demonstrate his, and the firm’s, ongoing commitment to help every client achieve financial independence and live his or her best life. Continuing education and the pursuit of credentials that are meaningful to the value we provide are all part of why we do what we do.


Credentials

Five Star Wealth Manager Award

To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Factors taken into account include assets under management and client retention rate. Candidates also undergo a thorough regulatory and complaint review.