More than simply an investment portfolio, your plan will bring together the many diverse facets of your financial life. It will clearly reflect your specific situation, your attitudes and preferences, your tolerance for risk and the unique financial challenges you face.

Retirement Planning
Whether it’s fast approaching or years away, you’ve probably thought about how you’d like to spend your retirement. We’ll help you develop a specific strategy for funding the retirement you envision, providing for your day-to-day needs, as well as for life’s unexpected turns, such as illness or disability.


Estate Planning
Financial planning today extends far beyond your lifetime; it shapes the legacy you leave for your family. Effective estate planning may minimize taxes while helping to ensure your hard-earned assets are protected and transferred as you intend. Working with your attorney and family, we can help you determine appropriate estate planning strategies.


Survivor Income Analysis
All of us want to provide for our families after we’re gone, but most families find this topic difficult to discuss. We can guide you in tackling this sensitive issue and determining what steps you may want to take to protect your family’s future.


Asset Allocation
By dividing your investments among four basic categories – stocks, fixed income, cash alternatives and other tangible assets – you can help preserve capital, increase liquidity and decrease volatility. In fact, studies have found that over the long run, the overall performance of investment portfolios depends more on asset allocation than on individual investments.* We can help you fine-tune your investment portfolio with a diversified mix of assets appropriate for your needs and goals.

*Source: Brinson, Beebower and Associates, “Determinants of Portfolio Performance” 1986, revised 1991 and 1995. Asset allocation and diversification do not ensure a profit or protect against a loss.


Risk Management
Just as managing risk is an important part of investing, it is also crucial to the ongoing health of your overall financial picture. From disability to long-term-care and life insurance, we offer a full array of risk management solutions. And because we understand your comprehensive financial plan and goals, we can help ensure you have exactly the coverage you need.


Tax-Efficient Investing
Because taxes can have a major impact on your financial picture, it is important to explore investment alternatives that may provide tax benefits. We can help you identify investments that may help reduce your tax liability and are happy to work in conjunction with your tax advisor.


Education Funding
As the price of education continues to rise, so does the need for thorough planning. We can assist you in reviewing college funding alternatives and determining which options may be best for your and your family’s situation.

Our financial plans offer a high-degree of personalization that matches your investments to your goals and ability to take on risk. We analyze each potential opportunity to find just the right ones for you, your family and your goals, while also helping to manage your liabilities so you feel confident in your complete financial picture.

The result is a financial plan that is as dynamic, vibrant and enduring as the lifetime of achievement it represents. Simply put, we believe our business is people and their financial well-being, and we are as committed to your success as you are.

  • Build a Foundation With Achievable Goals

    Realistic goals provide the foundation for a solid financial plan. That is why it is important to codify your own. They can include educations for children, a second home, your income needs in retirement, your philanthropic interests, and plans for your estate. Because no two people are the same, building a financial plan around your specific goals creates a plan that is uniquely yours. We will work closely with you to identify and define your near- and long-term goals, check for goals that may conflict and work to resolve conflicts that arise. Even more important, we’ll set metrics with which to define success and adjust your plan as necessary.

  • Develop a Complete Financial Picture

    Along with a complete picture of your goals and time horizons, a personalized plan must incorporate current assets and liabilities in order to establish your net worth and monitor it throughout the years to come. We also consider your comfort level with risk so investments can be made accordingly. If applicable, consideration is also given to consolidating accounts to make finances and cash flow easier to track and manage.

  • Monitor and Optimize Performance

    Finally, we believe a financial plan should be as dynamic as the life it represents. Things change, priorities sometimes shift and new opportunities wait just over the horizon. That is why we continually monitor your plan’s progress relative to your defined objectives. Should changes need to be made, we rely on myriad resources and experts to help guide our decision process and also to suggest appropriate actions or strategies. Together, we can review the options and make objective decisions. To keep you apprised, we provide ongoing reporting of your account activity and conduct periodic reviews. Because we are truly partners in this important endeavor, we also rely upon you to communicate any significant changes in your life.

Our financial plans offer a high-degree of personalization that matches your investments to your goals and ability to take on risk.