As Managing Director at Signet Financial Management of SWFL, I strive every day to help my clients pursue their financial goals. I am committed to helping make a difference in the financial futures of the individuals, families, and business owners that I have the opportunity to work with. By taking the time to get to know my clients and understanding what matters the most to them, we are able to work together to create goal-based plans designed around their unique needs.
If you have questions about potential investment solutions for retirement, providing for your childrens or grandchildrens education, or legacy planning, I welcome the opportunity to see how I might be able to help.
Please call us at: 239-302-1715
Signet Financial Management was established in 1988. We have a local Naples Florida presence, and a team of driven professionals including Chartered Financial Analyst's (CFA) and Certified Financial Planner's (CFP) with decades of experience. We believe each client deserves their own personal portfolio, custom tailored to their individual requirements. We accomplish this by developing genuine relationships to intimately understand your goals and needs. We custom design portfolios based upon each client's individual risk tolerance and income needs using our own proprietary management strategies. This means our clients own the individual stocks and bonds our research has identified. The result is, we believe, a lower cost, more tax-efficient portfolio. Furthermore, this promotes transparency for clients about every investment decision we make.
|Firm Start Year:||1988|
|Name of Custodial Firm:||TD Ameritrade & Charles Schwab|
|States Licensed in:||FL|
|Number of Years with Current Firm:||3|
|Work with the following types of clients:||Businesses, Individual Investors|
|Advisory Services Provided:||Risk Management, Estate Planning & Trusts, Tax Advice and Services, Retirement Planning, Portfolio Management, Insurance Planning, Financial Advice & Consulting|
|Investment Types:||Mutual Funds, Stocks, Bonds, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)|
|Can meet clients in the following ways:||Video Conference, Via Email, Via Phone, Your Office, Our Office, Your Home|
Compensation and Fees
|Fee Structure:||Fee Only|
|Minimum Portfolio Size for New Managed Accounts:||$500,000.00|
We help clients think through their most pressing investment-related issues and build portfolio solutions for any market environment. In developing your investment strategy, we start with an in-depth process of discovering who you are, what your priorities are, and what you want to achieve. Then we apply our skill and experience to manage investment solutions that best fit your unique needs. We offer a range of investment resources and services to help you reach you goals: Individual stock portfolios, individual bond portfolios, comprehensive portfolio management, ongoing investment monitoring, asset allocation, hedging strategies, risk management, income strategies, tax planning, and periodic portfolio reviews.
Achieving your retirement goals takes disciplined saving, spending, and investing. Our team of experts work with you to stay on track to live the retirement you want: We will develop a clear picture of your current financial situation. We help you decide when to retire. We show the income your nest egg could provide compared to your needs and goals. We can implement strategies designed to generate income, manage risk, and protect against inflation. We will continuously monitor your plan, making adjustments as markets and your circumstances change.
The primary purpose of insurance is to provide economic protection against losses that may be incurred due to an event happening such as death, illness, or accident. This type of protection is provided through an insurance policy, which is simply a device used by companies to accumulate funds to have enough reserves to meet these uncertain losses. At Signet we will take you through a forensic review of your insurance policies to assess your insurance needs from a coverage and cost perspective. We have partnered with Sheridan Wealth Advisors.
Estate Planning & Trusts
Estate Planning includes but is not limited to the establishment and updating of wills, trusts, insurance, long term care, beneficiary designations, Powers of Appointment, and gifting. With the ever-changing tax law, healthcare overhaul and other dynamic issues at play, it is increasingly vital to consult experts in each of these spaces to ensure one's wealth is properly shielded from unnecessary tax burdens. As fee-based fiduciaries, we will work with you to identify your risks and needs in order to try to align you with just the right professionals to get them resolved. We will also work with your existing team of CPAs, Attorneys and others as needed, to prioritize your comfort and financial well- being.
Tax Advice and Services
We believe we can add real value for clients by managing the potential drag, or reduction of return, caused by taxes. We engage investors in discussions about providing a more complete plan and how their taxable assets may benefit form a tax-managed approach. Some key considerations include: The importance of knowing your tax cost basis prior to making any sells in your account Asset location, or how to allocate assets between taxable and tax-advantaged accounts. This can add incremental benefits to after-tax total returns, which can have a powerful compounding effect over the long run. How tax law changes can affect you, including but not limited to: The Opportunity cost of executing certain tax strategies and plans The Time Value of Money and how future inflation can affect decisions made today The likelihood that you may be in a lower or higher tax bracket later in life The possibility of tax basis step-up if an equity is never sold At Signet Financial Management, we consider these and many more potential tax-related matters before making any changes to your portfolio. In fact, we evaluate each and every position in your portfolio prior to making any decisions on sells or purchases, in seeking to ensure that you are not hit with a tax bill that you don't expect at the end of the year.
Investment Advice & Management
Acting in a fiduciary capacity, we work with you to design an investment strategy that is integrated with all aspects of your financial life. We invest using a consistent, structured process coupled with strong research and risk management and active portfolio management. You can count on us for expert advice and counseling at every juncture of your financial life, with personal attention and professional results. What's Our Edge? Institutional Approach - We bring an sophisticated, institutional framework to individual investors. Unbiased - We are independent. Factor Investing - We use a proprietary, quantitative stock ranking system to evaluate investments across an extensive group of factors, including value, size, quality, momentum, and safety. We build portfolios to favor stocks with the optimal combination of these factors, and may tilt portfolios towards certain factors deemed more attractive in the current environment. Fixed Income - We manage portfolios of individual bonds to help manage risk and generate income. Options - We may use options to enhance the risk-adjusted total return potential of our portfolios. Flexibility - We may adjust asset class exposure to avoid undue risk, and attempt to take advantage of attractive areas of the markets.
We believe our clients should only accept as much risk as necessary to achieve their financial goals. We design portfolios for more than the pursuit of returns - eliminating undue risk is an equally important objective. Because risk is a necessary part of investing, it is essential to manage those risks and find the right balance between risk and expected return for each client. We offer a comprehensive risk assessment to help clients identify, understand, and quantify sources of risk. We ensure that the assumption of risk is intentional and consistent with your investment objectives.
Financial Advice & Consulting
We provide investment and planning advice to ensure that you and your family have the financial resources needed to provide a financially independent retirement in which you can enjoy the benefits of a lifetime of hard work. OUR PHILOSOPHY: As independent financial advisers, we are obligated to recognize your unique goals, family situation, and financial resources and help you orchestrate the best possible balance between all your competing needs. Our goal is to keep you well informed and the provide you easy access to investment and financial planning that can best meet your needs. OUR SERVICES: We specialize in providing financial planning and investment services to individuals and their families. As your adviser, we assist you with: Financial planning Investment planning Retirement Planning Insurance and Income Tax review Estate and succession planning Risk Management FEE-ONLY FINANCIAL PLANNING: We are a fee-only financial adviser. We have a fiduciary responsibility to our clients, and work only for the best interest of our clients. This allows us to: Customize an investment portfolio that is optimal for you and your family Provide unbiased, timely advise. Adjust your portfolio and our advise as conditions change. OUR COMMITMENT TO YOU: We adhere to the highest standards of conduct and We strive to& Put your needs first Provide only the highest-quality products Execute with the highest ethical standards Keep you constantly informed Provide an entirely transparent service with no hidden fees
Do you have a customer satisfaction or refund policy?
Yes, but we cannot issue refunds. You pay as you go on a quarterly basis and can cancel anytime.
Why should I choose you as my financial advisor?
We are staffed with CFP's, CFA's, and MBA's
What are your qualifications? What is your education background?
FEE-ONLY FINANCIAL PLANNING: We are a fee-only financial advisor. We have a fiduciary responsibility to our clients, and work only for the best interest of our clients. This allows us to: Customize an investment portfolio that is optimal for you and your family and provide unbiased timely advice.
How do you charge for your services?
OUR SERVICES: We specialize in providing financial planning and investment services to individuals and their families. As your advisor, we assist you with: Financial planning Investment planning Retirement Planning Insurance and Income Tax review Estate and succession planning Risk Management
If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No, we use a team approach.
Registered Investment Advisor:
Investment Advisor Representative:
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
|Mon.||9:00 AM - 5:00 PM|
|Tue.||9:00 AM - 5:00 PM|
|Wed.||9:00 AM - 5:00 PM|
|Thu.||9:00 AM - 5:00 PM|
|Fri.||9:00 AM - 5:00 PM|
|Fort Myers||Fort Myers Beach|
We thank each of our clients for helping us attain the Five Star Professional Award. Five Star Professional conducts research to help consumers select a service professional. They award businesses in more than 45 markets in the U.S. and Canada. Award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry credentials. Self-nominations are not accepted. A few of the items they consider include: Credentials as a Registered Investment Advisor Favorable regulatory history Client retention rate Number of client households being served Education and professional designations The award recognizes service professionals who continuously provide quality service to their clients. We are honored for this recognition and wanted to share it with our clients. You have entrusted us with your financial well-being and we acknowledge the importance of that decision. We thank you for continuing to be our clients. The January 2017 edition of New Jersey Monthly magazine will include a feature on our firm and this award.