Whether serving businesses or individuals, our goal is always the same: To provide the best possible professional advice and service geared to producing the results our clients desire. In general, our holistic approach to wealth management combines:

• Asset Management
• Financial And Investment Planning
• Insurance Risk Management
• Philanthropic Planning
• Retirement Planning
• Estate Planning
• College planning
• Asset allocation
• Mutual funds
• Stocks
• Bonds
• Identity Theft
• Wealth Management
• Coordination as needed with clients’ legal or tax advisors and/or referrals to appropriate professionals

Unlike many financial advisory firms, certain aspects of our practice are fee-based* instead of commission-based; that is, our clients pay a fixed fee for our guidance and services rather than a per-trade commission. We believe this enables us to better focus on our clients’ best interests; for example, if we don’t feel that your portfolio needs a high level of trading activity at a given time, we won’t make trades just to generate commissions. We’ll be happy to discuss our fee structure with you at any time.

*In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.