Our Services

Financial Planning

  • Life based planning
  • Retirement planning
  • Insurance and estate planning

Investment Management

  • Goal based investing
  • Protection and growth strategies
  • Tax efficient investing

Retirement Plans

  • Retirement plans for businesses
  • Defined benefit plans
  • Retirement income planning

Our Philosophy

We take a long-term approach.

We believe that the independent business model provides the best framework to serve our clients. We believe offering objective guidance, free from sales quotas, proprietary products and limited choice, is vital to our ability to provide best in class solutions for our clients’ individual needs.

Our wealth advisory process is based on fiduciary principles – an approach that places our clients’ interests at the forefront of everything we do. As Certified Financial Planners™, we are held to a higher fiduciary standard than other “financial advisors”.

Great care is taken in assembling teams of financial professionals, working in concert, to make sure all aspects of a client’s financial life are being addressed. Your team may include your Certified Public Accountant, an Estate Planning Attorney, Insurance Specialist and other specialty professionals as needed. We coordinate each professional’s expertise into customized recommendations for your unique circumstances.

Your life is your story. Write well. Edit often.— Susan Statham  author, artist

Our Planning Process

The Financial Life Map.

As the Financial Life Map below shows, we can help you address a wide variety of goals in a number of key areas.

Once we have discovered and understand what is most important to you, we work together to develop and implement a plan to help get you there.

Because life is never static, we closely monitor your plan and make sure that it always reflects your situation. In addition, as financial markets go up and down, we help manage the level of risk in your portfolio through periodic rebalancing.

Financial Life Map graphic

Our Investment Process

Design, Build, Protect.

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life…not with the short-term ups and downs of markets.

You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.

There are three things to remember about how Asset Class Investing can work for you and your family:

1. It focuses your investment portfolio on meeting your life goals.
It is an approach designed to help you manage towards your most important goals rather than to short-term market trends.

2. It is based on science and academic research.
It combines the latest discoveries in economics and investing with close to 90 years of market data and insights as well as in-depth studies of investor psychology and behavior.

3. It is a disciplined and structured approach.
It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.



Please watch this video to learn more about
Design, Build, Protect.



If you're interested in learning more about how we work with clients and the services we provide, download our brochure:
Design, Build, Protect.

Our Advisory Process

The Wealth Solution.

One of the most important components of any successful advisory relationship is truly understanding who you are as a person. That is why we focus on what is most important to you, both financially and personally.

We look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability and willingness to take risk. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.

graphicProcess

Discovery

One of the most important components of any successful advisory relationships truly understands who you are as a person. With our discovery process, we focus on what is most important to you, both financially and personally. Together, we will define your definition of financial success and work with you to translate this into prioritized goals.

Analysis

In order for us to thoroughly understand you situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or improvements. We also analyze the effectiveness, composition and expenses of your existing profile. By analyzing specific items for action, we can make sure that your goals and financial situation are aligned.

Development

Based on the analysis, we can develop a long-term wealth plan focused on getting you from where you are today and where you want to be in the future. Through this process, we will address any items that need clarification and make alterations based on any additional information.

Implementation

The next step is the implementation of your plan. In addition to creating your investment portfolio, we also work with a team of financial professionals to address all the non-investment action items we’ve identified. You will receive an Investment Policy Statement, which documents what we have agreed to and assigns responsibly and accountability.

Monitoring

Your plan is never static. That is why we will make the discovery process part of our ongoing meetings so that your plan is always reflects your life. We will monitor your plan closely and provide you with clear and concise reporting. In addition, as financial markets rise and fall, your portfolio’s exposure to stocks, bonds, cash and other investments will tend to fluctuate as well. Through periodic rebalancing, we will make sure your portfolio maintains its target allocation which helps control the level of risk in your portfolio and minimizes emotional decision making.

Get a second opinion about your financial plan, your investments, or your 401(k) plan.

Our second opinion service is more than just a discussion about money and financial strategies. It's also an opportunity to see if we might be a better fit for your needs, and to see if we can truly add value to your life.

Schedule a meeting with us for a second opinion and here's what you'll get:

  • We'll spend most of the meeting discussing your needs and listening to your answers.
  • We'll talk about your current investment strategy and make notes for our follow-up conversation.
  • We'll answer all your questions regarding our fees and the services we provide.

Although we may discuss ideas during the meeting, we want to spend most of the time listening to your goals and concerns.

After the meeting we'll put together some information and ideas for strategies that best fit what you've told us about your goals. Then we'll schedule a follow-up conversation in which we'll present our opinion about your current plan.

There's no obligation for our second opinion service and any information we provide during your meeting and afterwards is yours to keep.

Let us know how we can help.