What We Do

As a financial services firm dedicated to professional excellence and client satisfaction, we strive to provide our clients with insightful, high-quality advice that has a positive impact on their daily lives and how they live them. Our commitment to this process necessitates that we make assessments in a number of key areas, and that we consider every element of a client’s financial situation prior to offering any recommendations.

Through our efforts to "leave no stone unturned," we ensure that we possess a thorough understanding of the distinct needs, concerns and desires of every client we serve. This approach to planning is the heart of our philosophy, through which we are able to help clients realize their goals and achieve financial well-being. The critical components of our philosophy are as follows:

Asset Protection: We believe that risk management is the foundation of all successful planning and is essential to our comprehensive planning philosophy. While an investment plan is, no doubt, important, no amount of investing can offer the security and protection of a properly implemented risk management strategy.

Investment Management: We believe in a long-term investment strategy—one that helps minimize risk while maximizing return potential. We accomplish this by developing balanced portfolios that are fully diversified among stocks, bonds and cash equivalents, and are consistent with the client’s investment objectives, risk tolerance and time horizon. We feel that it is imperative to remain focused on long-term goals and objectives, even during periods of short-term volatility. Based on our experience, investment success requires discipline, patience and a long-term perspective.

Cash Flow: We include a detailed retirement cash flow analysis in every plan to help ensure that our clients will have the appropriate level of liquidity to satisfy current and future income requirements.

Tax Planning: We believe that tax planning is an essential part of every plan. In our collaboration with qualified accounting professionals, we consider the tax ramifications of all investment decisions in order to maximize the benefits for our clients and legitimately minimize their tax exposure.

Estate Planning: We advocate the inclusion of appropriate estate planning tools (e.g., wills, durable powers of attorney, advance health directives, trusts, etc.) as part of any comprehensive planning strategy. These documents, when drafted by a competent estate attorney, can provide tremendous benefits to clients and their families, namely preservation of capital, enhanced control over the management and distribution of assets, and greater peace of mind.

Multi-Generational Planning: We believe in planning for the efficient transfer of wealth to future generations. Multi-generational planning allows every individual to create a legacy, and to leave something of value behind to family and loved ones. If planned properly, this legacy will continue well beyond the individual’s own lifetime and enrich the lives of many generations to follow.

Review Process: In order to meet the goals and expectations of our clients, it is imperative that we remain informed of our clients’ current financial and personal situations by conducting periodic reviews. The review process allows us to identify a client’s changing needs and make necessary adjustments quickly and efficiently.

Investing involves risk, including the potential loss of principal. There is no guarantee a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Asset allocation and diversification do not eliminate the risk of experiencing investment losses.