There are many financial products and services in the market, and so choosing the ones that best meet an individual client’s needs can be complicated.  Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After meeting to do this, you are better informed when the time comes to choose from a comprehensive suite of services and select those that address your unique situation.

Typical measures of portfolio risk fail to account for the realities in daily financial markets.  An important element to attempt to mitigate risk and achieve an optimum risk adjusted return is through a thoughtful on-going process of asset allocation that provides both depth and breadth in multiple asset classes worldwide.

Asset allocation is the investment strategy that aims to find and optimize the delicate balance between risk and return by apportioning a portfolio's assets according to an individual's risk tolerance and temperament, goals and objectives, and investment time horizon.  The challenge is to work with each clients' situation and their portfolios to match these factors with appropriate investment strategies and  portfolio managers.  This challenge requires frequent analysis of portfolio managers' results and their strategies to evaluate their relative effectiveness.  Therefore, from time to time, it may be prudent to change portfolio managers and/or strategies . For this reason and to take into consideration occasional client-personal life events, it is necessary to conduct account reviews, preferably quarterly.  These meetings provide a forum to express the necessary two-way communication that will allow a healthy advisor - client relationship. Often, this meeting may include a CPA, Estate Attorney, Insurance Agent and certain supporting Financial specialists

Services provided include:

  • Investment Management
  • Financial Advanced Planning
  • Trust, Estate and Heritage Planning
  • Life & Long Term Care Insurance Planning
  • Philanthropic Strategies
  • Foundation Consultation
  • Family meetings with CPA & Attorney
  • 401K & 403B retirement accounts
  • IRA SIMPLE SEP retirement accounts