.: WHAT WE DO :. Services – How We Can Help You ■ Who Are Our Clients? ■ What We Believe ■ Investment Philosophy ■ What To Expect ■ Services - How We Can Help You Our comprehensive wealth management services include: Financial Planning Do you have a comprehensive, written plan that identifies and quantifies your individual financial goals? Investment Management Are your investments managed with your specific goals and risk tolerance in mind? Do you have written Investment Policy Statements for each of your investment accounts that define the purpose for and characteristics of those investments? Retirement Planning Have you saved enough to retire? Do you know when you can retire? Estate Planning Do you have a taxable estate now? Do you need to reduce estate taxes? Are you concerned about how you will pass your assets on to your heirs? Our comprehensive client process addresses all of these areas, and includes such considerations as: Education Funding Plans Debt Reduction and Cash Reserve Strategies Life Insurance Analysis Consultation on Long Term Care Insurance Consultation on Disability Risk Management and Insurance Charitable Gifting Strategies Consultation on buying, selling, or refinancing a home Consultation on business succession planning Referrals to, and coordination with, estate planning attorneys, Certified Public Accountants, Insurance Professionals, and Mortgage Brokers back to top Who Are Our Clients? Our clients are a diverse group that includes corporate executives, business owners, professionals, consultants, corporate employees, university professors, widows, and retired individuals from all walks of life. However, most of our clients share a few characteristics. Our clients are busy people who want to simplify their lives. They recognize the value of their time - and of our expertise. They prefer to spend their time enjoying life and focusing on their families and careers, rather than trying to sort through the myriad of complexities in the increasingly difficult world of personal finance. By educating and empowering our clients, we seek to build a deep level of trust and rapport. Most of our clients are financially comfortable retirees and successful individuals who have accumulated significant assets. They are conservative-to-moderate risk takers, who are more concerned about preserving their assets and achieving their life goals than beating the market or boasting about an investment's performance at the water cooler. Most of our clients are referred to us by another one of our clients or by a trusted professional advisor. This is the greatest compliment we could ever receive. We are never too busy to speak with the friends and family referred to us by our clients and professional allies. Our clients seek long-term relationships with their advisors. They appreciate our knowledge and expertise, but it is our care and concern for our clients that they value most. Above all, our clients have goals. They seek financial security for themselves and their families. They care about their community and making the world better for the next generation. We are committed to helping our clients simplify their lives and work toward the achievement of their financial goals. back to top What We Believe To achieve financial goals, it is essential to deal with all the key areas of financial planning - Investment Management, Asset Protection, Disability and Income Planning, and Estate Planning - in an integrated fashion. We believe all of these areas are critical your personal financial success. Our investment goal is not to beat a particular index. It is to meet or exceed the rate of return required for a client to achieve his or her financial goals with as little volatility as possible. We aim to get you the returns you need to meet your financial goals over the long term. We believe that a client's risk tolerance is a significant constraint in the wealth management process. Our success can be measured in part by our client's ability to sleep well during turbulent markets. Investors should not engage in market timing. The most important investment decision is the appropriate balance among the major categories of investments (cash, bonds, stocks). Broad diversification among and within investment categories can increase returns as well as reduce risk. Past performance is of no value in selecting superior performing mutual funds or money managers in the future. Our job is to help you determine the best way to achieve your financial goals. For some, that may involve maximizing return. For others, it may mean reducing risk. Developing a plan and then adhering to a long-term disciplined strategy is the most reliable way to achieve long-term goals. Tax considerations are important, but the goal of tax planning should be to maximize after tax returns, not to minimize taxes. back to top Investment Philosophy Our investment philosophy has evolved over many years of experience. It is based on minimizing risk while attaining a rate of return sufficient to meet client goals. Time, patience and a strict discipline are the cornerstone of our success. We provide individually managed portfolios tailored to meet our clients' needs. After extensive research and rigorous analysis, we develop an investment plan to meet each client's long-term objectives, resources and risk tolerance. We manage our clients' investment portfolios on a fee-based, discretionary basis, which minimizes conflicts of interest. This also allows us to adjust portfolios as needed without incurring unnecessary costs. Our management fee also serves as a retainer for ongoing financial planning advice. We encourage our clients to consult with us on all of their financial decisions. There are no additional charges for this service. As trusted advisors, we partner with our clients in working toward the achievement of their most cherished life goals. Click here for detailed information about our investment management process. back to top What to Expect [Section Under Construction - Please Check Back Very Shortly!] back to top