Services We Provide

• Establishing and defining the client-advisor relationship
• Gathering client data, including risk tolerances and goal and objectives
• Analyzing and evaluating your financial status
• Developing and presenting investment and financial recommendations
• Implementing the agreed upon course of action
• Monitoring the overall plan on an ongoing basis

The above steps will lead to discussions in specific areas of focus, e.g. actual management of assets, retirement planning, estate planning and many other areas of your financial life that may need attention. This process provides a foundation on which to build a lifelong plan that will help you and your family achieve your financial goals and objectives.

During the planning process we believe it is extremely important to provide information in a straightforward and concise manner. Some Financial Planners utilize complex modeling software, which can complicate an already difficult area of understanding. We choose to breakdown the process and use various methods to illustrate important points directly, so that the plan is both understandable and manageable for our clients. Financial planning is a lifelong process, which requires consistent monitoring and updating.

While navigating through life’s many changes, including employment, marriage, children, home ownership, divorce, retirement, eldercare and ultimately death, many individuals fail to realize the impact on their financial well-being, which is why guidance from a professional is invaluable. The conscious management of your financial circumstances will enable you to better anticipate opportunities and prepare for contingencies. This approach will give you better choices when life’s inevitable events, adverse or otherwise, occur.

• Investment Management
  The process by which your assets are invested. We believe that the first step in developing a good investment portfolio is developing an asset allocation, which will be based upon several factors, including risk tolerances and time horizon to reach certain goals and objectives. There are many options available to you as an investor and we believe in analyzing what is best suited for your particular circumstances, which may include mutual funds, ETFs, equities, bonds, options, annuities, etc. Once we have determined the best option with our client, we will continue to analyze and monitor your investments, and to systematically rebalance your portfolio, when appropriate, to make sure that they remain effective and timely to meet your original or revised goals and objectives.
  
  
  top




• Retirement Planning

  One of the most important parts of your financial life is planning for your retirement. We believe in planning as far ahead of time as possible. This analysis may include projections to determine if you will be able to live within the same lifestyle as prior to retirement or at what age it is most likely you will be able to retire. There are many variables associated with retirement planning since it can span 40 years or more depending upon when you begin the process and your life span. This is why setting up a plan is just the first step. It is equally important to continue monitoring the plan and implementing changes due to the inevitable changes in life events. Whether you are close to, or at, retirement, an analysis of your net assets, income and expenditure patterns needs to be reviewed and analyzed. Revisions to your retirement plan may need to be made to keep pace with a constantly changing environment.



top




• Estate Planning
  One of the most difficult areas to focus attention during the financial planning process is trying to prepare for the unthinkable, what will happen when I pass away? Estate planning is a process involving the counsel of professional advisors who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It can involve the services of a variety of professionals, including your lawyer, accountant, financial planner, life insurance advisor, banker and broker. Estate planning covers the transfer of property at death, as well as a variety of other personal matters and may or may not involve tax planning. The core document most often associated with this process is your will. 

  The first and most important idea to keep in mind is that planning ahead provides a simpler transition during a very difficult time for your family. Also you may need to provide for any financial shortfall created by an untimely passing. If you pass later in life, most likely your children will be grown and it is likely that, except for possible provision for estate taxes, you have achieved financial stability to provide for your spouse. However, if you have young children or are the sole provider of household income consideration must be given to income replacement. Regardless of age it is also important to be sure that your estate will be distributed according to your wishes while minimizing any expensive estate tax liability.

  Estate planning is not just for the young or old or just for the very wealthy, it is for anyone with planning needs. Estate planning is not a one-time occurrence, but is a process which over time may have to be adjusted to account for changes in federal and state laws and changes in personal circumstances. Our services include providing financial planning, insurance, tax and investment advice. We do not provide legal advice and do not draft documents, which is performed by a qualified estate planning attorney.



top




• Education Planning
  In today’s day and age, raising children has become a very expensive proposition and while no one would place a price tag on having children, there are very important factors to consider and one of those is planning for the cost of education. With the cost of inflation and the number of years until attending college the future cost can be overwhelming, which is why it is very important to plan as far ahead as possible. The most predominate vehicle today is the 529 Plan. These plans provide certain tax benefits but come with certain investment restrictions. 



top




• Business Succession Planning
  On the day you begin your own business, you should know your exit strategy! As a business owner, one of the most important aspects of owning a business is planning on how to sell (or transfer to a family member) your business in order to extract the value that you have built up over the years. Our firm has worked with many clients to help deal with the various issues that will inevitably come up during this process including funding buy/sell agreements, determining deal structure, income taxes and estate planning.



top




• Family Office Management
  There are some individuals that may wish to have their financial life managed as if it were a business. We are able to provide for the services mentioned above plus various additional services, e.g., handling monthly bills, arranging for private charters and other unique items that may present themselves. We also provide monthly and annual financial statements including budgeting. A family office is the organization that is created, often after the sale of a family business or realization of significant liquidity, to support the financial needs (such as asset allocation and/or record keeping and reporting) for a specific individual or family group. The services we provide under Family Office Management include:
• Investment Advice, Management, Monitoring
• Financial and Tax Planning
• Wealth Transfer Planning
• Financial Recordkeeping & Compliance
• Family Foundation Management
• Client Education & Goal Development

Most family office service providers were usually reserved for the ultra wealthy.  Our full family office services can be tailored for most any family with investable assets exceeding $10 million. In addition, we can provide any one or combination of the above services for clients with investable assets in excess of $1 million.


top


Advisor Compensation
Your initial consultation with us is at no cost or obligation to you. We want you to get to know us and what we can do for you and how we service you. We also want to be sure we can provide you with the service you need and deserve. The first meeting usually gives us both a chance to make sure we are both comfortable with a potential professional relationship.

We are “fee-based” advisors and our usual compensation is based upon a fee structure, however, on occasion, there may be a need for a product in which a commission is paid (e.g., for life insurance).

For more information about our firm you can visit the link to the Investment Advisor Public Disclosure Website, click on Investment Advisor Search and enter CRD # 146270 and you can view our disclosure document called the ADV I. If you are seriously considering our firm you can receive more information about our fees and services from our non public ADV II disclosure filings which we provide to all new clients and potential clients upon request; please request one by going to “contact us” and provide us your email address and your name and mailing address.



top