Financial Planning

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Since we are independent wealth advisors and our fees are based on a percentage of assets under management, we do not have an allegiance to any product or company in the financial services industry.  We create for each client a highly customized and personalized investment policy statement outlining each client's unique wealth management plan.  We address such factors as:

  1. Clearly defining the investment objective of each client.
  2. Developing highly personalized and customized portfolios that accurately reflect each client's unique needs and preferences.
  3. The process we employ for the ongoing monitoring of the consolidated portfolio and the circumstances which might cause a portfolio to be rebalanced or reallocated.
  4. Why each investment, fund and manager recommended for the consolidated portfolio is a quality holding and how each correlates to the overall portfolio.
  5. The client's investment expectations as it relates to the appropriate benchmark.
  6. Any constraints which should be placed on the consolidated portfolio.

We are supported by the vast resources of our firm that allows us to provide this unparalleled level of service.  We offer the following depending on each client's current situation, future goals, attitude toward risk and family dynamics:

I. Products:

  •  Fee based accounts which are actively managed (stocks, bonds, ETFs, etc.)
  •  Real Estate Investment Trusts
  •  Mutual Funds
  •  Unit Investment Trusts
  •  Variable/Fixed Annuities
  •  Brokerage Accounts
  •  401(k) rollovers/403(b) rollovers/457 plan transfers
  •  Life Insurance/Long Term Care/Disability Insurance/Health Insurance

II. Services:

  •  Estate Planning
  •  Retirement & Distribution Planning
  •  Executive Benefits
  •  Business Succession Planning
  •  College Planning
  •  Charitable Gifting