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Our Philosophy

Our Philosophy

We believe every person deserves access to sound, informed financial advice. Regardless of your situation, risk tolerance, and goals we’re ready to help you prepare for the future. Come rain or shine, together we’ll encourage your investments to grow for years to come.

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Our Process

Our Process

No two people are the same and our advisors know this better than most. Our deep financial knowledge and broad life experience informs our every decision, with only one goal in mind: your ideal future. 

With decades of experience, we’re excited to help you prepare for every eventuality, no matter what.

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Download Our Don’t Panic Ebook!

The novel coronavirus (COVID-19)’s effects on the financial markets has caused many people to question their investment strategy. Use this ebook to stay focused on your investment goals during challenging times.


Your Goals Are The Key To Rampant Growth

The best futures are achieved through naturally diverse investments. Like the strongest of trees, the seeds you plant today will lead to a lush canopy of comfort, shelter, and protection.

Organic growth underlies all that we do at Atlantic Financial Advisors. Together, we’ll design a roadmap that starts with the future you want and ends with your dream retirement. Our approach is designed to help your retirement weather the harshest of storms.

Your Goals, Our Strategies

Discover an array of services for all your financial needs.

  • Investments

    Are your investments ACTIVELY Managed versus PASSIVELY Managed (which we call Lazy money).  Lazy money is like most funds and many stock portfolio’s where you invest and forget.  You basically “Hope” your investment grows, but in a falling market the broker, money manager, or fund managers don’t do anything to reduce your risk and potential losses.  Actively managed accounts are typically for very large investors, however because of our investment platforms they are available for account sizes as small as $25,000.  These are called “Fee-Based” accounts where we act on your behalf as your Fiduciary. The ACTIVE Money Managers we use are also your Fiduciaries and must act in your best interest, as we do.

  • Guaranteed Income for Life

    For most investors the idea of reaching retirement and losing half of our life savings to market crashes or lawsuit is horrifying.  In the “Crash of 2000” the stock market plunged over 50%.  In the “Crash of 2007” the stock market plunged over 54%.  Many of the most popular mutual funds plunged even more. The Tech Heavy Nasdaq plunged over 70% at the same time.  This includes AAPL, GOOG, AMZN, PPAY, FB and the other largest tech companies in the US.

    We have Homeowners insurance to protect against the possible loss due to theft, fire, hurricane, flood and other catastrophes.  We have health insurance (or Medicare) to protect us against catastrophic losses due to health issues.  We have auto insurance to protect against damages, or liabilities of lawsuit in an accident.

    But, do you have insurance to guarantee and lock-in your retirement income, and ratchet your income higher, as the stock markets, and your portfolio move higher and higher? 

    Do your investments guarantee to lock-in your gains periodically for income purposes, at lease annually for most Fixed Indexed Annuities, while various Variable Annuities offer optional benefits including locking-in, or ratcheting your investment gains at least annually, quarterly, monthly and even daily?

    Do your investments guarantee that even in “Down Markets” they will increase your future income at a minimum percentage such as 5, 6, 7, even 8% annually (depending of specific carriers)?

    Annuities whether Fixed, Variable or Immediate offer attractive options such as Guaranteed Income for Life, and your spouses life, and Guaranteed Growth of your Future Income regardless of stock market volatility. For the latest LIMRA comparison of all annuities please contact our office.

    All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.

  • Why some advisors hate Variable Annuities?

    If an advisor is not licensed (registered) to offer certain investments such as stocks, bonds, REITs, and Variable Annuities are they going to say anything good about them?

     Variable Annuities are about Hedging, or insuring your income, to protect you, and your income during the next financial crisis.

    Annuity contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.

  • Why Annuities make sense.

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  • Roth Conversion

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  • Life Insurance

    Consider Selling your Life Insurance, Annuity or Income Stream to improve your lifestyle

  • Long-Term Care

    Have old life insurance policies or annuities you may no longer need? Consider converting them, tax-free to Long-Term care

Helpful Content

Helpful Content

Curated articles, videos, and more for a more financially savvy you.

<p>Principles of Preserving Wealth</p>

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.
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<p>When Heirs are Imperfect</p>

When Heirs are Imperfect

The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.
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<p>Your Emergency Fund: How Much Is Enough?</p>

Your Emergency Fund: How Much Is Enough?

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.
Learn More

How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investment IQ."

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