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Independent · Personal · Since 2003Advice Built From Your Life, Not a Template

Two decades of advising through housing collapses, recoveries, and inflation nobody planned for taught us that the right recommendation depends entirely on what you need the money for. Independent since leaving our original broker/dealer, we answer to the people whose accounts we manage and to nobody else.

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What We DoBringing Order to Decisions That Compete for the Same Dollars

What We DoBringing Order to Decisions That Compete for the Same Dollars

 You may have a 401(k) sitting with a former employer, a mortgage you are weighing against retirement contributions, and a rough sense that these choices affect each other without knowing how. We sort out which portion of your savings serves which purpose, then build recommendations that account for the trade-offs instead of treating each decision in isolation. When markets turn or global events change the picture, you have someone to call who already knows the reasoning behind every position you hold.

How We HelpFull-Service Advice From an Independent Office

The range of what we can recommend is not determined by an approved product list handed down from above. Whether the question involves income, growth, protection, or what happens after you are gone, we address it directly.

Retirement Planning

Withdrawal order, Social Security timing, and how long savings last once the direction of cash flow reverses.

Portfolio Management

Portfolio Management
Allocation built around the timeline attached to each goal, reviewed and rebalanced as markets and circumstances move.

Financial Planning 

Consolidating scattered accounts and competing goals into one plan that shows where dollars overlap and where sequence matters.

Risk Management

Risk Management
Putting numbers to what an illness, disability, or early death would cost your household, then addressing the gaps.

Legacy Planning

Account titling, beneficiary designations, and family conversations so your instructions reach the next generation without reconstruction.

Business Owner Guidance

Retirement plans for small teams and building personal savings that sit outside the business balance sheet.

Who We ServeThose With Real Decisions in Front of Them

Retirees & Pre-Retirees

 Positioning decades of savings for withdrawals asks entirely different questions than accumulating those savings did.

Families

Education costs, mortgages, and retirement contributions competing for the same income require a plan showing the sequence.

Women in Transition

 Divorce, widowhood, or a career change often shifts both the numbers and their purpose at once.

Business Owners

When income, largest asset, and retirement funding trace to one entity, personal wealth needs deliberate attention.

Who We AreOwner-Operated in Northern Nevada

Who We AreOwner-Operated in Northern Nevada

Kay Dunham founded the practice in 2003 and still advises clients herself, which keeps the judgment applied to your accounts with someone doing the same work rather than with a policy department. Louis DiMarco and Z. Aimal work with clients directly as well, so the person who knows your situation is the person accountable for it.

Frequently Asked QuestionsClear Answers for Your Financial Journey

Navigating your financial future starts with having the right information. We believe in total transparency, personal communication, and answering your questions clearly so you can make confident decisions about your wealth.

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  • It all begins with a simple conversation. We ask what job you need your money to do—whether that’s paying reliable income, growing wealth over time, or keeping your principal safe—and recommend services tailored strictly to that goal.

  • We operate in association with Cetera Advisors LLC, ensuring our recommendations are supported by robust regulatory compliance and institutional-grade technology.

  • Existing clients can easily access their account portals by clicking the "Client Login" link located at the top of our website.

Our ApproachOur Core Process

Getting to a Recommendation You Can Understand

The point of how we work is arriving at a plan you understand well enough to feel settled about, rather than one you accept because we told you to.

Step 1We Ask What the Money Is For

 Income, growth, safety, or some combination, and which portion serves which purpose.

Step 2We Build From Your Answer

Recommendations drawn from your stated needs and our experience across multiple market cycles since 2003.

Step 3We Stay Reachable

Circumstances change, and reviewing the plan as they do keeps it connected to your situation.

Start With One Question

Tell us what job your money needs to do and we will tell you honestly whether we are the right people to help with it. Call (775) 826-1777 or send a message, and you will hear back from one of us directly.

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