Working with you and for you, we specialize in comprehensive fee-based financial planning and wealth management services. We analyze your investment and retirement goals through careful portfolio evaluation, cash flow analysis, income tax assessment, and estate plan review. Recommendations are based solely on your specific needs, circumstances and goals, both currently and in regards to your future.
Independent Fee-Based Services We are an independent fee-based financial planning and investment management firm. Our clients often come to us to receive help with a financial planning need that has arisen due to a life event that has given them a desire to proactively evaluate their financial picture. This may include a job change, getting closer to retirement, receiving an inheritance, going through a divorce, or lawsuit settlement. Or it may simply be time to proactively put into place an initial plan to work toward retirement or another goal. Regardless of what brings you to us, we work with you to learn your background, goals, concerns and values. Once we have a clear understanding of those details, we work for you in developing a financial plan and investment management strategy that is in alignment with your plan and objectives.
Financial Planning Services
These services are oriented toward developing written strategic plans for solving specific problems and/or reaching specific goals depending on your personal needs. There is a one-time fee charged for this initial plan development. This fee is determined by the complexity of the plan. Available individually or as part of a comprehensive plan that often includes:
· Retirement Income and Capital Needs Analysis
· Income/Capital Gains Tax Analysis and Strategies
· Investment Analysis and Strategies
· Estate Planning and Estate Tax Minimization
· Charitable Giving Strategies
Combined Financial Planning and Portfolio Management Services
Our wealth management services provide a comprehensive level of planning and investment management in two phases. The first phase of our wealth management services includes development of a financial plan and portfolio design. There may be a one-time fee charged for this initial plan development as outlined above.
The second phase of these services is ongoing management and financial planning services. Included with this phase are quarterly reports on your investment portfolio and related performance. This includes a tracking of portfolio holdings, investment performance and suitable benchmarks. Periodic meetings are held with you to review your current situation and investment portfolio. Fees are calculated as a percentage of your assets under management and generally include ongoing financial planning services.
Portfolio Management Services
For those that want only investment advisory services we offer a stand-alone portfolio management service. These services begin with the assessment of your investment objectives, time horizon, and risk temperament. A suitable investment strategy will be established. We will then implement, manage and re-evaluate your portfolio on a regular, ongoing basis. Once an asset allocation strategy has been determined for a pool of capital through the advisory process, specific investment decisions are made. A carefully selected group of mutual funds under our no-load platform is typically used for most portfolios under $500,000. Larger portfolios may be appropriate for our separate account management service. Assets are custodied with T.D. Ameritrade Institutional Services, a Division of T.D. Ameritrade, Inc, or Charles Schwab Institutional, a Division of Charles Schwab & Co., Inc. Use of these reputable institutions assures you of reliable execution and reporting.
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