WHO we are and WHAT we do:
- Four professionals that manage over $61 million in assets and have over 80 years of combined experience
- Support staff that is client dedicated
- Fee-based, objective, independent advice*
- Financial planning for an hourly fee
- Full investment options through mutual funds and individually managed accounts
- Estate planning and insurance products with trust planning
- Compensated based on long-term investment performance
- Understand the special needs of our clients through strong relationship skills and provide solutions to problems rather than a sales culture
- Attentive to detail and our client communication skills are hallmarks of our firm.
*In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.
Service Summary
High Net Worth Clients / Comprehensive Financial Planning
- Retirement
- Estate Planning
- Education
- Accumulation for a Particular Goal
- Employee Benefits including ISOs and NQSOs
- Asset Allocation
- Debt Management
- Tax
- Insurance Needs
- Property and Casualty (Homeowners/Auto)
- Life
- Disability
- LTC
Financial planning can range from a simple opinion to a high-level comprehensive analysis of multiple modules. This can be done on a per-hour or pre-engagement basis. The list above enumerates the most popular financial planning issues individuals request.
Planning for Small Business Owners
- Business Continuation
- Insurance Needs
- Employee Benefits
- Estate
Investment Management
Option A
Investment Advisory Services
- Services include quarterly reports and re-balancing as necessary
- Comprehensive annual review
- Meetings and phone calls as often as needed throughout the year
- End of year tax planning for non-qualified accounts
- Some Financial Planning Services offered along with investment management
- No sales charges or commissions are charged
- Fee ranges from 1% to 1.75% based on value of assets managed
Option A may be appropriate for clients with any or all of the following needs:
- Those clients wanting unlimited access to their advisor at no additional cost,
- Those clients who would like financial planning services along with investment management advice,
- Those clients who would benefit from end of the year tax planning,
- Those clients who would like to have a quarterly review of their assets, and
- Those clients wishing to hold securities other than or in addition to mutual funds in their portfolios (such as individual stock, individual bonds, ETF’s, UIT’s, options, etc.).
Option B
- Annual review of portfolio
- Asset allocation model
- Annual re-balancing, if necessary
Option B may be appropriate for:
- Clients who would like investment advice less frequently and
- Clients who want to have the option of re-balancing their portfolios on an annual basis without paying additional sales charges.