A FIDUCIARY RELATIONSHIP
Your success is our mission. We are different from other financial firms. We are a small, independent financial adviser. As a fiduciary operating under the highest standard of care, it is our duty to act in your best interest. You have immediate access to us and will not be shuffled through a continuing rotation of employee turnover common at other firms. We have the education, professional credentials and industry experience to provide the financial advice you can rely on. We succeed only if you succeed.
Comprehensive Financial Planning
We believe financial planning is the fundamental foundation of a successful, multigenerational wealth creation and investment program. An accurate and current financial plan is a necessary first step before we can recommend an appropriate investment strategy. We employ industry-leading software and data tools in developing your financial plan and keep the analysis current with updates annually or earlier as required to keep it accurate.
A primary concern for many nearing retirement is the fear if insufficient income or depleting savings during retirement. We will address this fear head on in our planning work to create strategies that ensure your income needs are met under any potential market conditions.
Risk management is another critical aspect of a proper planning. Uncovered risks have the potential to upset the best-laid investment strategy and can result in financial loss, delayed retirement, lifestyle reduction in retirement or other negative outcomes. Our planning includes identifying your proper investment risk profile as well as addressing other risk exposures that could impact the success of your plan.
Investment and Portfolio Management
We recognize that every investor has unique constraints and variables that will affect their investment decisions. One size does not fit all. We do not use cookie-cutter model recommendations, but rather we tailor our portfolio recommendations based on your unique situation and the completed financial planning analysis.
Our service includes ongoing discretionary portfolio management of your investments. We favor minimum-cost investments in portfolio construction such as exchange traded funds, individual stocks and individual bonds. Our investment philosophy is based on Modern Portfolio Theory (MPT), Behavioral Finance Theory and diversification.
Tax, Trust and Estate Coordination
Investments have tax implications. We will discuss these implications and recommend the most tax-efficient strategies including selecting the most favorable type of account and investment security. However, we are not a CPA or tax adviser. We always recommend consulting a tax professional. We do not give tax advice.
Account titling, beneficiary designations, wills, trusts and other important personal documents as well as wealth transfer and charitable giving are all important aspects of a wealth management strategy. We can help you prioritize your objectives to implement a plan that provides for your loved ones and minimizes unwanted estate tax obligations. We always recommend consulting an estate planning attorney for legal advice and document preparation. We do not give legal advice.
