First and foremost, we're personable. Too many advisers are aloof, unapprachable and arrogant. That's not us.

Second, we bring a high level of creativity and unique thinking to our clients. That's because we're independent advisers. This means we don't answer to big investment banks telling us what we can and can't offer our clients.

We prefer to push the envelope to include a wide variety of investments that can often out-perform the basics.