Our Services

Our main focus is to manage investment portfolios for individual clients, high net worth families, retirement plans, foundations and endowments. This service is for the client who wants someone to continuously manage their account(s). Briefly here is how it works. Together with you we determine the best approach for your unique investment needs. Then we design a customized investment plan for you based on your unique investment objectives. Once the plan is in place we monitor it for you. Monitoring includes reviewing performance and controlling adherence to your objectives. We will then make any changes necessary to keep you on track.

Events that could trigger changes in your account(s) include changes in market or economic conditions, changes in your situation, changes in your selected investments or better investments that may become available. We then meet with you as often as you wish to go over your account. Clients may impose restrictions on investing in certain securities or types of securities.

We charge a yearly flat retainer fee or a percentage of assets fee for this service. The fee depends on the size of the account and the amount of service required. The fee includes recommending, purchasing securities and monitoring your investment account. We receive no commissions or fees from anyone else. We do receive brokerage services from Charles Schwab. The fee you pay us is the only money we receive. This leaves us free to put you into the best lowest cost investments available and allows us to give you truly unbiased advice.

Investment Management includes the following type of accounts:

  • Individuals
  • Families
  • Pensions Rollovers
  • IRA Rollovers
  • Retirement Plans
  • IRA's
    • Roth IRA`s
    • Simple IRA`s
    • Educationa IRA`s
  • 529 College Saving Plans
  • 401 (k)`s
  • 403(b)`s
  • Profit Sharing Plans
  • Money Purchase Pension Plans
  • Deferred Compensation Plans
  • Trusts
    • Revocable Trusts
    • Irrevocable Trusts
    • Testamentary Trusts
  • Foundations
  • Endowments
     

FIND THE ANSWERS TO YOUR FINANCIAL QUESTIONS AND GET SOME COACHING ON WHAT TO DO - If you just need answers to your financial questions we can give you unbiased answers for a one-time fee. You can use this service on an as-needed basis for an hourly fee. It's like a la carte menu, you pay only for the advice you need. You can request a written report or you can just come in and discuss a particular problem or get a second opinion. Here are some examples of questions you may want answers to:

  • Will I have enough money to retire?
  • Are my investments allocated correctly for my situation and goals?
  • Am I using the best investments?
  • When can I afford to retire?
  • What is the best way to save for College?
  • What choices should I be using in my 401k plan?
  • How much should I save?
  • Should I use tax-free investments?
  • Will my retirement savings last a lifetime?
  • When should I begin taking social security?
     

GET A FULL FINANCIAL PLAN - This service is designed for clients that want a complete written financial plan covering certain areas of their finances for a one-time fee. This is designed to coordinate investments, taxes, estate plans and any other areas into a cohesive plan for the future. The initial time required to determine your needs and estimate the fee for these services is free. Financial planning consultations are complete, the obligation from us to the client will terminate and we will be under no obligation to update or to monitor the Client's investment or financial situation in connection with the consultation services.

Financial Planning would include the following situations:

  • Retirement Planning
    • IRA and Pension Rollovers
    • Choosing the Right Plan
    • IRA Distribution Planning
  • Estate Planning
    • Wealth Transfer Planning
    • Trusts
  • Educational Cost Planning
  • Tax Planning
  • Business Planning
    • Custom 401(k) Retirement Plans
    • Succession Planning
    • Closely Held Business Issues
    • Employee Benefit Planning
    • Stock Option Plans
    • Financial Planning for Corporate Officers
  • Net Worth and Investment Planning
    • Thorough Personal Financial Checkups
    • Objective Investment Portfolio Analysis