BRIAN DENNIS, CFP®

Brian Dennis holds the CFP®, AIF®, and RICP® designations. The CFP® requires a comprehensive board exam and continuing education in financial planning. The AIF® certifies knowledge of fiduciary duty and prudent investment processes. The RICP® specifically covers retirement-income strategies, including Social Security claiming, pension elections, and decumulation sequencing — a rare three-designation stack that signals a specialized focus rather than generalist wealth management.

Portfolios are constructed using low-cost, passively managed funds from Dimensional Fund Advisors and Vanguard. The equity allocation tilts toward small-cap and value factors, consistent with academic research on long-term risk premia. Fixed-income holdings prioritize short-to-intermediate duration and investment-grade credit to support ongoing retirement withdrawals with minimal sequence-of-returns risk.

No. The practice manages individual client accounts using publicly traded, daily-liquid ETFs and mutual funds. It does not offer limited partnership interests, direct real estate syndications, private credit funds, or hedge fund access. It is a pure retail RIA with no institutional commingled vehicles.

The practice is structured as a sole proprietorship with no disclosed succession plan or junior professionals. For allocators evaluating stability, this is a key concentration risk: the firm's operations, client relationships, and investment management are entirely tied to one individual with no identified successor.

No. The firm operates as an independent, fee-only registered investment adviser. It has no broker-dealer affiliation, no insurance-company relationship, and no participation in a hybrid RIA platform. This structure eliminates commission-based conflicts and aligns the firm with a fiduciary-only client relationship.