Our PROCESSfor building your plan

We use a thoughtful and disciplined process to personalize a financial plan and investment portfolio for you. We believe it can create a better opportunity for realizing your goals and objectives.

Learning about you, establishing your objectives

Our approach to wealth management begins with a thorough understanding of you: where you are now and where you want to be over time. Your concerns are as important to us as your ambitions. Helping you set practical, sensible goals is based on a clear knowledge of the challenges you face as well as the aspirations you hold.

We realize that you may have multiple goals for your wealth and your family. We will help you prioritize and manage the strategies and tactics we think will be helpful to keep these goals in sight and in sync.

Whether we are helping you with investments, structuring wealth transfer, streamlining your cash and debt management or managing retirement income streams, we strive to create actionable strategies and paths to help as you seek to achieve your objectives.

Setting your strategy

Many times clients come to us after they’ve tried to manage significant portfolios alone or when they haven’t been well counseled. Also, a strategy that made sense at age 45 may not be the advisable path at age 65. We strive to make suitable portfolio recommendations based on your best interests.

We will help you design a holistic investment strategy and asset allocation that we believe can help you actively pursue your goals, while respecting your personal tolerance for risk. We use sophisticated financial modeling applications to help us create your portfolio and assess the progress you’ve made toward achieving your goals. We emphasize wealth preservation strategies, while striving to minimize taxes and maximize the income your portfolio can generate.

Selecting appropriate investments

In making portfolio recommendations, our team considers equity, balanced and fixed-income holdings with these critical directives in mind: a tested asset allocation, a broadly diversified base of holdings and close scrutiny of investment expense.

We help you map out innovative, forward-thinking strategies and tactics that target your specific objectives. We may also recommend alternative investments such as commodities, REITs or hard assets. Where appropriate, we also work with outside portfolio managers who bring specialized skills to a particular investment sector or approach.

Reviewing and rebalancing your portfolio

Our team strives to deliver a superior service standard to clients, including frequent consultations so that we remain up to date on your changing needs. We appreciate the opportunity to answer questions and discuss concerns while simultaneously giving you timely insight on the markets. In addition to carefully monitoring your investments and asset allocation, we track the progress you are making toward your financial goals. We may recommend rebalancing the portfolio annually or as needed to keep it in line with your agreed-upon investment objectives.

Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Good fortune is what happens when opportunity meets with planning.

Thomas Edison