Broker Check

We Hold ourselves to a fiduciary Standard

The Certified Financial Planner Board of Standards, in their Code of Ethics and Professional Responsibility, defines a Fiduciary as “one who acts in the utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client.”

Our Fiduciary Promise

At Total Financial Concepts, we hold ourselves accountable to a high fiduciary standard, meaning that we have an ethical obligation to act in your best interest.

Only Investment Advisor Representatives are held to a fiduciary standard by law. Financial advisors who accept commissions are usually not fiduciaries and may be influenced to act in their own best interest—not yours.


We believe that financial independence should not come at the price of subjective or biased advice. We believe your personal financial plan should always align with your values and goals.

We believe in:

  • Putting our clients’ interests first 
  • Being good stewards of wealth for future generations
  • Working with our clients to leave a legacy that fulfills your purpose
  • Helping you reach your goals by providing detailed financial planning

Access To Additional Trusted Resources

Total Financial Concepts is constantly working to provide the best range of services available to our clients. To ensure we provide quality resources, we hand-pick trusted partners to work with including:

  • CPAs
  • Business brokers
  • Elder care attorneys
  • Estate planning attorneys
  • CPAs
  • Insurance experts and other professionals

We work closely with these experts to ensure your plan is accurate from a tax, legal, and risk-minimized perspective. We will often coordinate meetings with your CPA and attorney to ensure that all advisors are on the same page and focusing on what's right for you.

We are here for you. We help you solve problems, make decisions, and act in a strategic way.