We understand the importance of protecting and growing your financial portfolio. Therefore, we differentiate ourselves from other financial advisors with a planning process designed to discover your unique values and goals, guide you toward strategies that fit your circumstances and develop a holistic, integrated financial plan that can be customized as you and your family grow and your needs change.
We have three important divisions within our Wealth Management approach that provide important services to our clients:
Our guidance leads you toward strategies that fit your circumstances. We develop comprehensive, integrated financial plans that can be customized as your personal and/or business circumstances change. This full-service, fee-based approach begins with data gathering and assessment. Once a plan has been constructed, an implementation process is unfolded.
In the ever-changing tax environment we are vigilant in our updates, and we consistently monitor your plan as you and your family progress through life’s changes. Through WealthVisionSM, a comprehensive data aggregation software application, we can track all of your assets in real time, update retirement projections and provide a private and secure location where your data is consolidated into one clear picture that can be accessed anywhere there is an internet connection. In addition to traditional individual financial planning services, we offer business consulting services such as:
- Employee Benefit Analysis
- Executive Compensation
- Business Continuity Arrangements
- Multi-generational Transition Strategies
- Closely Held Corporation/Family Business Planning
- Integration of Personal and Business Estate Planning
The Investment Management Group employs a disciplined approach through a research-driven culture. Selection and monitoring of money managers is done through an extensive due diligence process to ensure specific criteria are met. We provide exposure to both traditional and alternative investments to pursue a high level of portfolio diversification and to help manage volatility.
Each client portfolio is carefully constructed to attempt to meet a desired return and/or income objective based on a personalized needs analysis. Given the dynamic nature of today’s financial markets, tactical adjustments may periodically be made to portfolios in order to take advantage of opportunities and effectively manage risk.
Investment management services are offered through a fee-based platform* designed to accommodate any type of account. For taxable accounts, investments are analyzed and selected to optimize tax efficiency. In addition, gains and losses in such accounts are monitored to manage overall tax liability.
No strategy assures success or protects against loss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
* In an asset-based fee relationship, clients pay an annual fee based on the level of assets for the advice and services provided by their financial advisor as a part of the advisory relationship. This fee may be higher than the cost of a commission alternative during periods of lower trading activity.
The Insurance Group offers insightful knowledge and guidance regarding corporate and individual insurance strategies through a myriad of wealth transfer concepts. These concepts are applicable to high-net-worth individuals and their families, as well as for charitable techniques.
We will also review insurance strategies for businesses that want to motivate and retain key employees, execute business continuity agreements and transfer business ownership from one generation to the next. Our Insurance Group, in concert with our Financial & Estate Planning Group, details the appropriate review and use of risk management and insurance strategies. Whether there is a need for income replacement or estate protection, our Insurance Group will canvass the marketplace to obtain the most practical and cost-efficient strategies to transfer risk where appropriate.