Our investment approach is designed to achieve your objectives efficiently and effectively, and can be applied to any financial planning need you might have, such as:

Wealth Accumulation

• Savings, inheritances, proceeds from insurance, land and business sales
• Retirement planning / funding needs IRA, 401(k), 403(b), TIAA/CREF
• College savings strategies / accounts for children
• Concentrated stock holdings / qualified and non-qualified stock options

Wealth Distribution

• IRA distributions / savings drawdown
• 401(k) and 403(b) rollovers
• One-time or annual gifting strategies
• Charitable remainder trusts, revocable / irrevocable trusts

Countless books and magazine articles about the importance of developing a financial plan are published every year. While most people are aware of the need to plan, they are often overwhelmed by the vast array of products and services available. When providing financial planning advice, our clients’ best interest is served because we embrace the following principles:

Trusted Advisor − We believe that we must earn your trust, and we do so by listening to you and remaining independent and objective. Since we are not affiliated with any financial institution and we do not sell financial products, our advice is not swayed by the desire to earn sales commissions or meet quotas. We pledge to respect your privacy and to provide educated, objective advice − always.

Team Approach − As a trusted advisor to our clients, we have the responsibility to remain educated and objective. We embrace a team approach for two reasons. First, we recognize that our portfolio managers each have unique skills and experiences that can be useful in developing client solutions. Second, we value the expertise of other professionals, particularly estate planning attorneys and CPAs.  We will work in concert with your other advisors to provide you with the right strategy.

You Are Unique − Each of our client’s unique needs and circumstances determine how we will invest their money, i.e. how much is invested in stocks or bonds. Before investing, we will discuss with you your circumstances and preferences. We will understand your wealth objective and spending needs, and your willingness and ability to accept risk. We will also identify any potential investment constraints, such as near-term cash needs or time horizon. Concentrated stock positions, tax management, or income needs are also important considerations.

Remain Disciplined − Determining your asset allocation and investing your money is the beginning, not the end. We meet with our clients regularly to monitor their unique circumstances. A change might necessitate a change to your investment strategy. We will ensure that your money is invested according to your specified asset allocation, and we will monitor your situation to incorporate any changes necessary.