ABOUT US
The 680 Group is run on a simple principle: to love people well. We remember your kids' names, check in after a storm, and take your future personally. We serve with humility, listen deeply, and never treat people like numbers on a spreadsheet. We're not here for transactions; we're here for transformation. That's what trust looks like to us.
At The 680 Group, we believe financial planning is about more than just numbers - it's about real people helping real people. Whether you're dreaming about retirement, facing a life change, or just wondering if you're on the right path, you deserve a calm voice and clear answers. That's what we're here for.
OUR STORY
A Team That Feels Like Family
We don't do cookie-cutter plans. We design financial strategies that are as unique as you are, adapting to your goals, your lifestyle, and the world around you. We prefer real conversations and smart strategies grounded in care. When your financial life receives that attention it deserves, your next chapter feels more possible.
A Financial Strategy As Unique As You Are
WHY CHOOSE US
What Sets Us Apart
Our clients often tell us, "You don't sound like the others." That's by design.
Deliberately Different
We believe in calling you back. Explaining things clearly. Checking in just because we care. We don't aim to impress. We aim to understand, walk beside, and guide with humility.
Thoughtful Support
You'll never feel like a transaction here. You'll feel like you matter - because you do.
Meaningful Connection
Financial planning is what I enjoy most. It's the challenge.
I earned my Certified Financial Planner (CFP®) designation almost 40 years ago. Much has changed since then. Computers are much more useful. Affordable, too. But they're no substitute for a planner who understands your dreams.
One thing that hasn't changed, at least with me, is the importance of listening.
A cookie-cutter approach is not the way to handle financial planning. In my work, I take the time to understand the client's needs. So, what I do is sit down with people and a tablet and my calculator, and I literally write up everything step-by-step. How much money do you have in your retirement account? How much money do you have personally? How many houses do you own? Are you able to save money from your take-home pay? We work through a lot of questions because the answers will drive everything we do.
We don't just stop with each answer. My goal is to get clients thinking about their goals and how their actions day-to-day until retirement can impact those goals. This illustration might help:
COSMO'S PHILOSOPHY
Why I Plan Financial Strategies the Way I Do
Suppose you have a big, metal warehouse in your backyard. Inside that warehouse are hundreds of shelves. They're stacked from the ground to the ceiling, and there are cans lined up in rows on every shelf. Every can is labeled for a certain purpose. There's a can labeled "money for lunch today." Our goal is to be able to pick up that can and have exactly the amount of money in it that you're going to spend for lunch today.
There's an amount of money in another can for dinner. A can for going to the movies. There are cans holding money for the kids' college tuition, their weddings. Your vacations. A can with money for that boat you've been dreaming about.
It may seem daunting to think about a lifetime of finances in such detail, but the math is done for you. That's my job.
The basic goals of financial planning are twofold: maximize returns while minimizing risk. By knowing your needs in such detail, we are better prepared to craft a plan that works for your unique situation. We cover everything that's specific to your life. You get a plan of action, not a generic form a computer grinds out. And because the only certain thing in life is uncertainty, I understand that your goals may change. So, we will adapt your plan to the new objectives. Because you've already considered your hopes and dreams in some detail, you're in a much better position to understand how an evolving financial plan is essential to keep you on track.
This is how we help you.
*All investing involves risk including loss of principal. No strategy assures success or protects against loss.
