We help our clients make smart choices about money—across their entire financial life. These are often complex interconnected decisions that extend far beyond managing an investment portfolio. Tax strategies influence estate plans. Life events shape family dynamics. Healthcare costs alter long-term assumptions. Business ownership introduces layers of complexity that even the best technology fails to fully capture.  As wealth grows, these issues become increasingly intertwined, emotional and consequential. "Retirement" beliefs shift. Life goals magnify. Time becomes more precious. This is where we believe we do our very best work. Helping clients navigate the financial complexities and uncertainties of life—across ten critical financial categories.

We provide our client's with organization, planning, advice and support across ten critical financial categories. These are the critical categories that can significantly affect every person with financial resources. Regardless if they choose to ignore it (hopefully not), do it themselves, collaborate with financial salespeople or delegate to a trusted advisor. 

1. Organization
2. Security
3. Cash Flow
4. Cash Reserves
5. Debt
6. Taxes
7. Insurance
8. Investments
9. "Retirement"
10. Estate

We believe a truly "comprehensive plan" considers all ten categories, with ongoing professional-level review, insight and guidance. When combined with our core four process—and a clear understanding of our client's deepest personal values and most cherished financial goals—it becomes a powerful strategy for pursuing higher probability outcomes and a higher quality of life.

We work with a limited number of committed clients by personal invitation or referral only. We believe more time with fewer clients means deeper relationships, more effective planning, and higher probability outcomes. Most of our clients are active retirees, independent women, peak career professionals and business owners. When we first met, our clients had (and still have) these character and financial traits:

• Are open, honest and ethical
• Wants their entire financial house in perfect order
• Seeks, respects and follows professional advice (Attorney, Financial Planner, CPA, etc.)
• Wants to delegate to one trusted advisor
• Are committed, responsive and accountable
• Have a net worth exceeding $2 million and/or a household income exceeding $400,000

If this sounds like you, maybe it's time for us to have a conversation.

21:5 Advisors, LLC is a privately owned, fee-only, financial planning and wealth management firm. While most financial advisors work through large brokerage firms or insurance companies, 21:5 Advisors is directly registered as an investment advisor (click here). This independence provides us the freedom to choose what we believe are "best-in-class" tools, technologies and subject-matter experts—to deliver the highest quality financial planning, advice, and services to our clients.

We are fee-only fiduciary Advisors. We do not sell insurance, annuities, or investment products for commission. This helps eliminate the inherent conflicts of interest that are often present when working with product-focused, sales-driven agents and brokers who work through large insurance companies or national enterprise firms. 21:5 Advisors is paid a fully disclosed fee for client-focused planning, advice and support. We believe this transparency and simplicity is better for all—especially for our clients.

Due to our commitment to high standards and deep personal relationships, we limit our comprehensive advisory services to 30 special client relationships—and invest most of our time working with them. We believe this sets us apart from the vast majority of financial professionals who spend most of their time marketing and selling to new clients. The difference is clear. More time with fewer clients means deeper relationships, more effective planning, and higher probability outcomes for our clients.

Joel Beyer is a financial advisor specializing in Values-Based Financial Planning™ and multidisciplinary wealth management solutions. Since 1989, Joel has served as a financial strategist, confidant, and life coach to a distinct group of middle-class millionaires throughout Arizona, California, and the Greater U.S. When not serving his clients, Joel enjoys spending quality time with family and friends, investing in the lives of others, traveling, snow skiing and scuba diving. He serves as an elder and board member at Discovery Pointe Church (Peoria AZ) and as an elder and board Secretary at Calvary Chapel, Ramona (Ramona CA). 

Joel Beyer is the Founder, CEO, Chief Investment Officer and Chief Compliance Officer of 21:5 Advisors, LLC.