What We Do

We integrate investment management with ongoing financial planning. We believe to correctly invest, the components of a financial plan must be in order to make sure your financial "puzzle" is a complete picture.

• Financial Planning - We begin with a detailed process which clarifies your financial goals, gathers and analyzes your financial data, develops a plan for achieving your financial goals, and determines how to implement and monitor your plan. You can expect to have clearly defined financial goals, understand how those goals can be met, and know that your goals are being pursued with advice tailored only to you. Since we do not sell any products and are paid only by our clients, our recommended solutions are not tied to any investment or insurance product. The elements of a financial plan may include the following:
   
  
  • Determining your net worth
  • Managing your debt and cash flow
  • Income tax planning
  • Insurance and risk management planning
  • Retirement planning
  • Education planning
  • Estate planning
  • Business planning
  • Employee benefits planning
  • Planning for charitable giving.
     
    
• Investment Management - In conjunction with the planning process, investments are managed by developing an investment policy statement, choosing investments that match the policy statement, placing your investments and regularly monitoring your investments. Common investment vehicles used are stocks, bonds and mutual funds in brokerage accounts, IRAs, Roth IRAs, SEPs, Solo 401(k)s, ESAs, etc. You can expect to have peace of mind knowing investment recommendations and monitoring are based on:
   
  
  • An understanding of your entire financial picture
  • Asset class investing with an eye on tax efficiency and reduction of investment expenses
  • A written investment policy statement
  • A relationship with your financial advisor that is independent of any provider of financial products.
     
    
• Ongoing monitoring and adjustments - On a regular basis, the planning process continues so changes in the components of your financial situation are incorporated into the investment process.