Wealth Management

Our wealth management philosophy is as follows:

We believe that investing is a long-term proposition.  Diversification helps reduce the volatility associated with individual securities, while Index Mutual Funds capture broad market gains.  Systematic portfolio rebalancing helps maximize returns and reduce short-term thinking, while investing in assets with high liquidity allows for greater flexibility.

Our wealth management services include the following:

  • An individualized Investment Policy Statement, which is the foundation of your personalized strategy
  • Web-based software, allowing you to view your portfolio at any time
  • Quarterly reporting, to keep you informed
  • Semiannual meetings, allowing us to evaluate any life changes and adjust strategy

Financial Planning

We provide financial planning services in the following areas:

Retirement Planning

  • Detailed client questionnaire
  • ‘What If’ scenarios
  • Cash flow predictions
  • Social security withdrawal strategies

Estate Planning

  • Coordination with estate attorney
  • Up-to-date beneficiaries
  • Asset titling

Education Savings

  • 529 plans
  • Alternative savings plans
  • College tuition projections

Insurance Needs

  • Life insurance
  • Long-term care insurance

Tax Strategies

  • Tax loss harvesting
  • Efficient asset allocation
  • Coordination with your CPA