Our Process and Services

Our primary goal is to create an asset mix that will provide a balance between expected risk and return for a long-term horizon. We believe no one has demonstrated an ability to consistently time the markets, so we rarely make asset allocation decisions due to short-term market shifts.

Diversification and asset allocation do not ensure a profit or protect against a loss.

To help clients work toward their financial goals, we strive to identify top managers in their respective asset classes using a thoughtful due diligence process. We utilize Raymond James and several other respected, independent research groups in these efforts. This approach helps assure our clients that their investments are in the hands of experienced professionals.

We employ a combination of actively managed and passive index programs in our portfolio construction process. Active management can contribute to results while indexing can provide clients with diversification and help manage their investment costs over time. Where appropriate and depending on each client’s timeframe, risk tolerance, etc., we may also explore a variety of risk transference strategies.

Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Rather than benchmark comparison, we focus on outcome-based portfolio construction. Our in-depth planning process establishes a “personal benchmark” that helps track our progress toward each client’s specific goals. We use this primarily and will also track against an industry benchmark as a secondary process.

On a regular basis (monthly, quarterly, semi-annually, etc.) defined by each client relationship, we review our positions, managers and benchmarks to consider what rebalancing to our target weights may be needed. This helps ensure the portfolio continues to address our clients’ needs. Despite market volatility and economic uncertainty, clients believe they can achieve their financial goals and enjoy a “Life Well Lived.” We work collaboratively to develop a plan best suited for each client’s unique needs. This gives a sense of clarity, organization and empowerment over their financial future.

Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.

Retired or contemplating retirement and you seek a lifetime income.

The majority of your working years have been spent building your savings with the goal of a confident retirement and perhaps preserving a portion of your estate for your heirs.

A business owner or professional who would like to optimize the benefits of your business entity

If you are like most business owners and professionals, you have dedicated a significant part of your life to making it a success. But is your business doing all it can for you?

A single woman who would like to be even more effective in managing your financial affairs.

Whether you have recently found yourself in charge of finances or have been managing your affairs for some time, there are often unique challenges that women face.