Advisory Services
Our professionals take fiduciary responsibility for our clients by helping them make ethical and legal financial decisions. Our advice is based on our education, experience, industry knowledge, and objective opinions of investment opportunities. It is deeply personalized to meet our clients’ unique life situations. Our commitment to building longstanding relationships, immediate accessibility, and complete transparency helps us proactively address inevitable changes—both planned and unforeseen.
Wealth Management
Wealth management can be an intimidating term, implying that clients must have amassed a certain amount of capital before they can benefit from our services. We offer our advice to help clients who are seeking to achieve their financial objectives. We encourage those who think they aren’t ready to start a relationship with a wealth manager to contact us.
Retirement Planning
Our clients rely on us to preserve their wealth so they can look forward to retirement. No area of financial planning has changed more over the past several decades as employers have shifted their retirement benefit packages from standard pension plans to those funded in part by the employees.
Tax regulations are always in flux, and most people don’t stay at the same company for a lifetime. All these factors impact retirement planning, requiring a trusted advisor.
Estate Planning
For many of our clients, particularly those who are far from retirement age, estate planning seems like a years-off goal. However, once we explain the benefits of early planning and the negative consequences of procrastination, they appreciate the value of our estate planning services.
As the years go by, there is comfort in knowing that your wishes for the distribution of your wealth will be honored and managed by a trusted advisor.
Financial Planning
Whether developing a financial plan for a new client or reviewing a portfolio for seasoned investors, our services are inclusive and flexible.
Analysis of current income needs and projection for retirement
Determination of risk tolerance
Development of investment objectives
Analysis of current portfolio
Recommendations for securities to help achieve objectives
Calculation of life, disability, and health insurance needs
Review of education savings needs
Suggestions for social security distribution
Management of investment taxes
Strategies for estate planning and trusts
Ongoing financial plan updates and investment rebalancing
Account Services
We contact our clients throughout the year to provide timely updates and are always available. Specific touchpoints include:
Online account access
Monthly statements
Quarterly performance reports
Asset allocation and diversification reports
Annual health insurance and employee benefits analysis
We look forward to providing Wealth Management Advisory Services that best meet your current and changing needs.