Our Services

What is it like to work with our team?

It is important to understand your needs, goals, and objectives in order to develop the proper plan to achieving

Our mission is to help create a roadmap for you to achieve your financial goals. Our portfolio management strategies are designed to align with the needs of the individual, trust, company, or entity that we establish as the client. We take the time to understand the financial objectives, goals (both short & long term) as well as concerns in order to make the appropriate recommendations. After we do our analysis, we customize a portfolio specifically for you. Over time, your portfolio may change based on many variables which can include personal circumstances, life events, and or our forward-looking views of what may take place in the market.

We offer a comprehensive set of financial planning, annuity evaluation, and portfolio management services.

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As a wealth management firm, we offer investment advisory services and combine other financial services to address the needs of our affluent clientele. It is a consultative process whereby we discover information about the client's wants and needs followed by tailoring a bespoke strategy utilizing appropriate financial products and services. As a wealth management advisor, we are a high-level professional utilizing the spectrum of financial disciplines available, such as financial and investment advice, legal or estate planning, accounting and tax services, and retirement planning, to manage our affluent client's wealth for one set fee.

For some clients, we go through the estate planning process. This involves planning for how an individual’s assets will be preserved, managed, and distributed after death. It also considers the management of an individual’s properties and financial obligations if they become incapacitated. Assets that could make up an individual’s estate include houses, cars, stocks, paintings, life insurance, pensions, and debt. Individuals have various reasons for planning an estate, such as preserving family wealth, providing for surviving spouse and children, funding children and/or grandchildren’s education, or leaving their legacy behind to a charitable cause. Our partners work alongside us to make sure that we are covering all basis. This includes estate & trust attorneys as well as certified public accountants.

Most of our clients are at a point where they need financial planning. This is a comprehensive statement of an individual's long-term objectives for security and well-being and a detailed savings and investing strategy for achieving those objectives. This allows the client to have an understanding if they are on track to achieving their goals or if some changes must be made.

Our primary goal for our clients is to manage their portfolio in the market. Portfolio management is the act of creating and maintaining an investment account, while financial planning is the process of developing financial goals and creating a plan of action to achieve them. Portfolio management's goal is to maximize the investments' expected return given an appropriate level of risk exposure. Portfolio management is the art and science of making decisions about investment mix and policy, matching investments to objectives, asset allocation for individuals and institutions, and balancing risk against performance. Portfolio management is all about determining strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, domestic vs. international, growth vs. safety, and many other trade-offs encountered in the attempt to maximize return at a given appetite for risk.


Types of Management

  • Passive Management
  • Active Management
  • Asset Allocation
  • Diversification
  • Rebalancing

Another area that we focus on for our clients is Retirement planning. This is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk. Future cash flows are estimated to determine if the retirement income goal will be achieved. In the simplest sense, retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.

The non-financial aspects include lifestyle choices such as how to spend time in retirement, where to live, when to completely quit working, etc. A holistic approach to retirement planning considers all these areas. The emphasis one puts on retirement planning changes throughout different life stages. Early in a person's working life, retirement planning is about setting aside enough money for retirement. During the middle of your career, it might also include setting specific income or asset targets and taking the steps to achieve them. Once you reach retirement age, you go from accumulating assets to what planners call the distribution phase. You’re no longer paying in; instead, your decades of saving are paying out.

We work with a lot of business owners both new and existing businesses and it is important for them to have a business plan in place. A business plan is a written document that describes in detail how a business—usually a new one—is going to achieve its goals. A business plan lays out a written plan from a marketing, financial and operational viewpoint. Business plans are important to allow a company to lay out its goals and attract investment. They are also a way for companies to keep themselves on track going forward.

Although they're especially useful for new companies, every company should have a business plan. Ideally, a company would revisit the plan periodically to see if goals have been met or have changed and evolved. Sometimes, a new business plan is prepared for an established business that is moving in a new direction.

A business plan is a fundamental tool any startup business needs to have in place prior to beginning its operations. Usually, banks and venture capital firms make a viable business plan a prerequisite to the investment of funds in a business. Even though it may work, operating without a business plan is not a good idea. In fact, very few companies can last without one. There are more benefits to creating and sticking to a business plan including being able to think through ideas without putting too much money into them—and, ultimately, losing in the end.

A good business plan should outline all the costs and the downfalls of each decision a company makes. Business plans, even among competitors in the same industry, are rarely identical. But they all tend to have the same elements, including an executive summary of the business and a detailed description of the business, its services and/or products. It also states how the business intends to achieve its goals.

The plan should include at least an overview of the industry of which the business will be a part, and how it will distinguish itself from its potential competitors.


Elements of a Business Plan

  • Executive Summary
  • Products & Services
  • Market Analysis
  • Marketing Strategy
  • Financial Planning
  • Budget
  • Financial Projections

Planning is also required for the young generations and the expectation of college expenses. 529 Plans (also known as qualified tuition plans) are some of the most powerful college savings options available to parents. A 529 plan is a tax-sheltered savings account specifically reserved for college funds.

A Coverdell Education Savings Accounts (ESA) is a trust or custodial account designed to help families pay for education. Coverdell ESAs aren't just for college – you can also use your savings to pay for k-12 tax-free, and they can offer more investment options and lower fees than 529 plans. Their tax benefits were set to expire but became permanent with the American Taxpayer Relief Act of 2012.