Thoughtful service and tailored strategies,

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with your needs at the center

When implementing a financial strategy, we leverage the full expertise of our team, conducting thorough research before hand-picking investments that are consistent with your tolerance for risk and are designed to help you pursue your objectives. We offer independent guidance, with your financial needs and preferences at the center of everything we do.

We advocate for your long-term financial success, through persistent management and on-going guidance. By utilizing the full bandwidth of our firm’s knowledge and expertise, we provide the service and counsel to help enhance your financial outlook and propel you toward your goals.

To help our clients reach their financial and life goals so that they can enjoy the life they envision for themselves and their family.

WHY WE ARE DIFFERENT

FINANCIAL PLANNING:

We believe reaching and achieving your financial goals requires FIRST creating a comprehensive, integrated life plan. Your financial plan can be used to help coordinate your family’s financial affairs and goals.

We begin by discussing your goals and concerns – what keeps you up at night when thinking about your future. With a clear road map reflecting your unique situation, we can better help you reach your destination! We’ll put that information to work using Raymond James complimentary financial planning analysis and wealth management tools.

Our financial independence and capabilities allow us to design and recommend a personalized financial strategy that is geared towards meeting your goals while encompassing portfolio management, asset allocation, asset management and (retirement) income planning objectives, etc whether you are a beginning investor or an experienced high net worth investor.

Here's a snapshot:

• RETIREMENT ANALYSIS - provides retirement planning that considers your assets, expenses, and desired income; provides a cash flow analysis identifying sources of income during retirement as well as retirement income planning suggestions during your preretirement phase.
• ASSET ALLOCATION ANALYSIS - recommends a diversified investment on goals, risk tolerance, and investment time horizon while reviewing current investments whether they are mutual funds in your 401K or investments in a taxable separately managed account.
• EDUCATION FUNDING ANALYSIS - analyzes current investments and the projected cost of a child's education, estimates how much saving is needed.
• INSURANCE ANALYSIS - determines whether existing insurance policies provide adequate coverage and whether the needs that prompted the purchase of the existing coverage have changed.**
• ESTATE PLANNING ANALYSIS - assesses the estate taxes, identifies gifting strategies, and demonstrates how you and your heirs may benefit from establishing a trust.
• DISTRIBUTION ANALYSIS - calculates rate, assumed return and account value, estimates and the taxes due on them.
• EMPLOYEE STOCK OPTION ANALYSIS - reports on the potential gains and tax consequences associated with three main exercise options: hold, and sell to cover.
• NET WORTH ANALYSIS - helps to assure your net worth now and over time, and stay invested by leveraging assets instead of liquidating them.

** a change in policy may incur a medical examination.

IT'S NEVER TOO LATE, OR TOO EARLY, TO START THE FINANCIAL PLANNING PROCESS.
THE IMPORTANT THING IS TO GET STARTED!

PORTFOLIO MANAGEMENT:

We utilize an active portfolio management approach, with both fundamental and technical analysis tools, that adapt to the constantly changing global marketplace. A portfolio is designed unique to each individual’s investment objectives and time frame. We actively manage the portfolio seeking to provide above average returns and/or income, while minimizing risk and volatility.

The dynamics of the stock and bond markets have changed in the past few years. Today's markets demand a more active investment process than the traditional "buy and hold" method that worked well in the 1980's and 90's. We strive to think "outside the box", looking for investments that reduce risk and volatility and yet achieve superior returns.

We start with fundamentally sound, high quality companies with consistent growth and/or steadily growing dividends. We utilize Raymond James award winning research team, as well as several outside research sources, such as Zack's Investment Research and Standard and Poor's. Then we examine the technical attributes of the stock - how it is trading, it's volume and chart pattern. This tactical overlay helps us buy at attractive prices as a stock is beginning it's upward move. We utilize our own technical research team, as well as outside sources such as Investors Business Daily and Dorsey Wright and Associates. We do not try to be 100 % invested at all times. In practice, weak market conditions may cause us to become defensive by moving to larger cash, alternative investment, and short term investment positions.

Consistently positive long term investment returns may be achieved by combining sound buying decisions with a strict sell discipline that seeks to minimize losses, while allowing strong stocks to reach greater potential gain.

I utilize three models around which to build a customized portfolio for each client:

1. CONSERVATIVE INCOME - the primary objective is generating consistent, rising income with a secondary objective of conservative growth to provide inflation protection. Lower volatility and risk are integral to this model. Dividend paying stocks and bonds are the primary holdings.
2. MODERATE GROWTH AND INCOME - the objective is a balance between growth and income. This model seeks to meet or exceed the returns of the broader market while taking less risk.
3. GROWTH - The objective is consistent, long term growth. This model seeks to exceed the returns of the broader stock market. There may be greater fluctuation than the stock market, and income is a minor part of the return.

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