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Our Menu of Services

We provide comprehensive financial services that are tailored for each client’s unique story.

We seek long-term relationships built on trusted advice.

Understanding your priorities helps us to organize financial resources, create future income streams, and develop growth and protection investment strategies that reflect your comfort level with risk and reward.

Where do you want to be?  We can help you get there.


Wealth Management Services:

  • Financial Plan
    • Goals and Risk Tolerance
    • Net Worth Statement
    • Future Uses of Resources 
  • Investment Management
    • Stocks, Bonds, Mutual Funds, ETFs, Structured Products
    • Fee-Based Managed Accounts
    • Brokerage Accounts
    • Variable Annuities, Fixed Annuities 
  • Cash Flow and Debt Management
    • Emergency Savings Fund
    • Debt Analysis 
  • Family Risk Management
    • Life Insurance
    • Other Insurances
    • Long Term Care 
  • Retirement Planning
    • Business Retirement Plans
    • Roth IRAs, Traditional IRAs
    • 401k Rollovers
    • Variable Annuities, Fixed Annuities 
  • Education Planning
    • 529 Plans
    • UTMAs 
  • Legacy and Estate Planning
    • Beneficiary Review
    • Trusts
    • Asset Protection
    • Charitable Giving 
  • Business Planning
    • Business Retirement Plans
    • Business Succession and Transitions 
  • Tax Planning
    • Tax Return Review
    • Investment Tax Review



Our Investment Process

➢ Comprehensive financial advisory services with transparent quarterly fees

➢ Comprehensive financial advisory services with transparent quarterly fees

➢ Financial plans implemented with customized investment portfolios

➢ Quarterly performance reports

➢ Retirement account organization with strategies for saving and distribution

➢ Tax smart strategies: asset location, tax swaps, capital gain/loss management

➢ Strategic and Tactical Asset Allocation with rebalancing

➢ Active and Passive investment strategies

➢ Peer performance rankings of cost-effective fund managers

➢ Access to a broad universe of investment products

➢ Fiduciary responsibility to do what is in your best interest

➢ Focus on your long-term goals: not short-term events

 

Financial planning included in asset management fee*


First $500,000 at 1.25%
Next $500,000 at 1.00%
Next $1 million at 0.90%
Amount above $2 million at 0.75%


Account minimum $400,000 (or $5,000 annual fee)

   



Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.



Our Financial Planning Checklist

Investment Management:

  • Asset Allocation Review
  • Peer Performance Review
  • Account Type Review
  • Retirement Income Plan

Cash Flow, Assets, and Debs:

  • Budget (Income/Expenses)
  • Emergency Savings
  • Consumer Debt
  • Mortgage

Insurance:

  • Health
  • Disability
  • Life
  • Auto
  • Home
  • Long Term Care

Retirement:

  • Work Retirement Plans
  • IRAs
  • Annuities/Life Insurance
  • Social Security

Gifting:

  • Children (Trust, UTMA, 529)
  • Charity
  • Parents

Estate:

  • Will/Living Trust
  • Beneficiary Review
  • POA Medical/POA Durable

Tax:

  • Tax Review
  • Tax Planning

Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.