Wealth Management Services
Our wealth management services include both comprehensive financial planning and investment management. By taking this integrated approach we help our clients accumulate, grow, protect, enjoy and transfer their wealth and assist them with life’s financial decisions as they arise throughout the year.
We work with each client to identify his/her life goals and related financial implications and develop a comprehensive plan for achieving these goals. After a thorough review of each client’s unique financial situation (see Financial Planning below), we provide a list of action steps each client can take to improve his/her situation. We then assist each client with these action items and implementation of the plan, which includes ongoing investment management (see Investment Management below). Understanding a client’s complete financial picture and coordinating all his/her investments (including 401k, deferred comp, 529 plans, etc.) are critical to effectively managing his/her money.
Our clients value our integrated approach and one-stop shop for financial advice. They take comfort knowing they can call us at anytime without concern that a meter will be triggered when we pick up the phone.
“How can they advise, if they see but a part.”
~ Benjamin Franklin
We understand that your life goals are unique to you and we take the time to learn what's important to you. Few people have the lifetime goal of simply accumulating money, but most of our lifetime goals have financial implications and we must plan accordingly to have any hope of achieving our dreams. Financial planning encompasses all aspects of one’s financial life including:
v Retirement planning
v Education funding strategy
v Insurance coverage analysis (life, disability, property and casualty, and long-term care)
v Income tax planning
v Estate planning (minimizing gift and estate taxes, avoiding probate, and ensuring client’s wishes are carried out)
v Tax-effective charitable giving
v Stock option, restricted stock, and stock purchase plan analysis
v Employee benefits selections
v Cash flow and debt management
v Business valuation
v Succession planning
v Self-employed retirement plan selection
Click here to view a diagram of the Financial Planning Process.
Investment management, the cornerstone of our service offering, includes:
v Designing customized, diversified portfolios appropriate for each client’s financial situation, life’s goals, and risk tolerance
v Actively managing these portfolios, making tactical adjustments when appropriate for the market environment
v Maximizing after-tax returns by evaluating tax and fee efficiency of every investment
v Utilizing broad array of asset classes in the global markets, including stocks, bonds, real estate, commodities, and precious metals
v Employing many investment products (exchange traded funds, index funds, actively managed mutual funds, stocks, bonds, REITs, annuities, limited partnerships, and private investments)
v Often utilizing a much wider investment opportunity set than our clients or their advisors previously utilized, which can increase portfolio performance and/or reduce risk
Click here for detailed descriptions of the Investment Management Process and Strategy.