For whatever you want and require, we have comprehensive services to help you attain your goals.

• We thoroughly review your financial assets to help you strengthen the foundation of your investments.
• We take the time to expand our understanding of what you want by getting to better know you and your financial objectives.
• We educate you on the choices available so you can make the best possible decisions.
• We leverage our experience throughout the firm in our weekly investment meetings as well as with impromptu gatherings to provide a well-rounded, yet diverse approach.
• Rapid changes in the securities markets, the development of new investment options, fluctuations in the U.S. and world economy, as well as changes in your personal goals, all dictate that your investments must be under continuous supervision.   It is vital that your investments be managed well to ensure a financially secure future.

The following are a listing of the many services we provide to our clients:

Investment Management

• Establish asset allocation targets
• Portfolio management and monitoring
• Manager selection
• Security transaction execution
• Coordination of all investment assets

Financial Planning

• Goal-setting
• Net-worth calculation
• College funding
• Debt level analysis
• Budgeting assistance
• Financial education
• Coordination with other professionals

Pre- and Post-Retirement Planning

• Income and expense projections
• Retirement monitoring
• Retirement plan rollover assistance
• Strategy for withdrawals from retirement plans
• Arrangement of periodic payments to meet expenses

Estate Planning

• Ensure trust funding, appropriate asset ownership, correct beneficiary designations
• Estate planning attorney referral
• Act as individual trustee
• Investment advisor to trustee

Safekeeping & Record-Keeping

• Security safekeeping through Charles Schwab & Co.
• Security record-keeping
• Cost basis information collection and maintenance
• Monthly securities values reports

Tax Matters

• Coordination with client’s CPA
• Provide information for tax preparation
• Supervise distributions from retirement plans
• Tax preparer referral
• Marginal tax rate projections
• Tax minimization

Insurance Analysis

• Life
• Disability
• Long-Term Care
• Health, including Medicare drug coverage
• Liability
• Homeowner
• Auto
• Referrals to insurance agents

Special Services

• Analysis of new or second home financing
• Analysis of purchases versus lease of vehicles

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