Financial Advice & Consulting |
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As a team of certified financial planners and financial
paraplanners with over 30 years of combined financial
experience the majority of our business is providing
ongoing, detailed investment, retirement, and income
planning and advice through customized financial plans.
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Financial Planning for Individuals |
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The focus of our business is providing financial,
retirement, and income planning advice to families and
individuals. With an extensive combined experience,
we look forward to designing individual plans for each of
our clients to help them work towards achieving their
goals. Each plan is regularly reviewed during annual
client meetings or more frequently as determined due to
individual circumstances.
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Financial Planning for Businesses |
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We offer access to 401K and Defined Benefit programs for
small businesses to help both employers and employees
work towards reaching their retirement goals. We offer
help with the design and implementation of these plans so
the small business, highly compensated employees can
maximize their
contributions to the company's qualified plans.
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Portfolio Management |
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Our portfolio management starts with a "win by not losing
or not losing much" philosophy. We understand the
importance of having a sophisticated methodology of
matching client risk to investment goals. Our
comprehensive platform utilizes quantitative statistical
analysis with common sense planning. Our proprietary 3
step process utilizes dozens of performance filters and
analytics that have been developed over the past 18
years. To learn more, peruse our strategy brochure
available upon request.
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Retirement Planning |
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We offer comprehensive, detailed retirement plans to all
of our clients in a way that allows our clients to
virtually see all of their assets and their planning
goals integrated into one financial plan that's
customized and updated every day so the client can
extensively monitor where they are in achieving their
retirement goals.
We provide advice to determine the most appropriate
option when determining what to do with a client's 401K
plan assets. These assets are integrated into a client's
financial plan and implemented along with all of the
other assets they may have to pursue their lifetime
goals.
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Insurance Planning |
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We sit down with each of our clients and look through
their risk management needs to help determine if
insurance is a specific need at every stage of their
life. If an insurance product is needed to help protect
the clients, we go through the advantages and
disadvantages of several types of insurance products to
help them understand what may help benefit them.
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Annuities |
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Although annuities are not a primary area of money
management in our practice, we do understand that some
specific situations require a transfer of risk to a third
party to reach a specific investment income or retirement
goal. We will look at this situation with the client and
help them understand the pros and cons of purchasing an
annuity to protect their income needs.
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Estate Planning & Trusts |
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We understand the value of having a good quality estate
plan in place for all of our clients. We work with
several quality estate planning attorneys in our area to
help create plans with our clients to help protect and
transfer their assets in the most efficient way possible.
We understand the use of trust is sometimes needed to
help offset probate and protect clients from specific
business situations.
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Tax Planning & Mitigation |
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Tax planning is crucial in helping clients achieve their
retirement goals. We offer tax managed portfolios inside
our practice and have a very good working relationship with
several CPAs in the area to help our clients mitigate their
tax liability.
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Education Funding & Planning |
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We offer 529 plans and other education funding tools to
help our clients fund college for their children or
grandchildren.
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Investment Management & Advice |
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Markets don't move in a linear or predictable fashion.
Instead, they shift in relation to economic conditions
and market forces that can trend for extended periods of
time. Our approach starts with the strategy designed for
your personal risk number upon which we build an
investment model that adjusts according to market trends.
You may request our brochure which details the
sophisticated methodology of matching client risk to
investment strategies, which are reviewed daily and
updated as often as quarterly, and then integrated into
an encompassing financial plan.
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Wealth Management |
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Our Wealth Management advice is comprehensive and
includes utilization of investments, financial planning
plans, CPAs, attorneys, to help manage, preserve and
transfer our client's wealth. We offer an online
solution so our clients can see all of their assets in
one place that is updated intraday to monitor their
retirement and planning goals progress.
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Risk management |
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We sit down with each of our clients and look through
their risk management needs to help determine if
insurance is a specific need at every stage of their
life. If an insurance product is needed to help protect
the clients, we go through the advantages and
disadvantages of several types of insurance products to
help them understand what may help benefit them.
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Money Management |
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Our portfolio management starts with a "win by not losing
or not losing much" philosophy. Market risk is real and
we have found that many investors are actually taking on
more risk than they realize. Our software calculates
your current risk exposure and how much you could lose in
a down market. We utilize an analytical portfolio
risk management process to identify dangerous market
patterns that automatically trigger exits to manage the
risks to our client's assets in time of extreme
volatility but still participate in new opportunities
that may appear during positive market trends.
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