Services

Financial Planning

We consider financial planning the foundation of any sound investment strategy. Planning creates the roadmap to your goals and dreams. Our experience tells us that most people lack the time and information necessary to adequately define and subsequently achieve their financial goals. As a result, many feel that they cannot control their financial future, and this often leads them to poor and sometimes dangerous decisions. Our planning and advisory process helps our clients take control of their financial future and create actionable solutions to achieve their dreams for the one and only life that they have. Since every individual has differing planning needs, we offer options that vary in complexity and depth of analysis.

+ Planning Options


  • Financial Health Assessment
    • Broad review of all wealth management categories (cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, income tax planning, estate planning) to identify areas of improvement
    • Planning letter outlines findings and offers prioritized action items to ensure that all areas are optimized and given proper consideration

  • Financial Roadmap
    • Includes an assessment of your financial health
    • Includes a financial projection that incorporates goals and objectives, current financial assets, anticipated savings, and anticipated spending levels
    • The objective is to determine if your current financial and investment strategies will cover your future cash needs
    • The Roadmap advises about the likelihood of successfully achieving your goals and any actions we would suggest that would enhance the chances of success
    • The Roadmap is a dynamic tool which can be used to gauge whether changes need to be made to savings rates, investment structure, or consumption patterns

  • Executive Planning Issues
    • Consumption analysis
    • International tax issues
    • Stock options
    • Inheritance or Estate
    • Business sale
    • Insurance
    • Pension Consultation

Investment Management

If our financial plan serves as the roadmap, then our investment management service is the vehicle that takes you where you want to go. We don’t believe that one size fits all. We don’t believe that investment advice is a commodity nor do we believe that investing is a random walk down Wall Street. Our seasoned investment professionals believe that excess returns can be captured by hard work, strict adherence to a time-tested investment philosophy and by (usually) going against the crowd. Our client portfolios, crafted to the meet the long-term goals, unique circumstances, and measured risk tolerance of each client, represent our best efforts to capture these excess returns, and facilitate a comfortable ride as you travel to your destination.

+ Account Service Levels


  • Account values up to $500,000
    • A diversified risk-adjusted portfolio of mutual funds constructed to meet your objectives
    • Annual meeting to discuss your portfolio, financial circumstances, and planning needs
    • On-going investment review and re-balancing
    • Periodic emails on investment and tax topics
    • Market commentary by Chief Investment Officer
    • Basic year-end tax planning
    • Basic financial planning

  • Account values between $500,000 and $1,000,000
    • A diversified risk-adjusted portfolio of individual equities, individual bonds and/or mutual funds constructed to meet your objectives
    • Semi-annual meetings to discuss your portfolio, financial circumstances, and planning needs
    • On-going investment review and re-balancing
    • Periodic emails on investment and tax topics
    • Market commentary by Chief Investment Officer
    • Basic year-end tax planning
    • Basic financial planning
    • Initial review/assessment of outside assets and accounts

  • Account values above $1,000,000
    • A diversified risk-adjusted portfolio of individual equities, individual bonds and/or mutual funds constructed to meet your objectives
    • Quarterly meetings to discuss your portfolio, financial circumstances, and planning needs
    • On-going investment review and re-balancing
    • Periodic emails on investment and tax topics
    • Market commentary by Chief Investment Officer
    • Basic year-end tax planning
    • Initial review/assessment of outside assets and accounts
    • Financial Health Assessment and Financial Roadmap
    • On-going annual Financial Roadmap update