Our Services

Want to get started investing?
Have a 401k or retirement plan to rollover?
Do you need to supplement your retirement income?
Do you have a lump sum to invest and want to explore your options?
Are your current investments on track?

We can help you address these concerns and more. We give clear, objective financial and investment guidance and offer non-proprietary, quality investment strategies tailored to your unique needs.

To help you pursue your goals, we offer fee-only, fee-based and commission-based financial and investment services. We realize offering just one approach may not be right for everyone and your personal situation deserves to be addressed in the way that is appropriate for you.

For example, fee-only advice is for investors who want to manage their own money, but would like to "run things by" a professional for a second opinion to make sure they are on the right track. We believe it is also good for people who are not existing clients but want some one-time, specific advice on a particular issue. We charge a rate of $150 per hour for this service.

Fee-based money management is for investors who want the ultimate service experience. With this approach, we manage your investment portfolio for you and are paid a percentage based on assets under management on an annual basis. Portfolios are constructed with certain themes and goals in mind, utilizing the universe of various investment options currently available, and are more actively managed with a goal of outperformance over a full market cycle for the given objective.* We provide more frequent contact including in-person meetings, phone discussions, email updates on portfolio changes, market commentaries, client letters and videos, all to keep you informed of current market conditions. In essence, with this option we are more partnered with you.

Commission-based products are for investors who want a simple, cost-effective option to money management. We are careful to use only quality investments that we believe are worth their commission charges. Portfolios are constructed within the confines of the utilized investment products based upon your goals and risk tolerance. We monitor the recommended investments to ensure they are performing as expected, and we have either phone reviews or in-person reviews at least once a year.

*Please keep in mind investing involves risk and potential loss of principal.

We provide the following services:

Investment Planning: Many people become overwhelmed when faced with the ever-increasing number of financial options available. A good investment plan can help you navigate this ever-increasing number of investment vehicles. The initial step is an analysis of a client’s risk tolerance. Once the desired risk profile is established, an investment program is developed. With a portfolio in place, ongoing reviews are conducted to accommodate changes in personal, economic and political circumstances.

Retirement Planning: Comprehensive retirement planning requires consideration of a diverse array of lifestyle choices involving health care, housing, income, and estate planning. As a result of individuals retiring earlier and living longer, the average retiree will spend about one-third of his/her adult life in retirement. Good retirement planning can help assure financial independence during the retirement years while maintaining the pre-retirement standard of living.

Portfolio Review: It is important to stay focused on your personal financial goals – and not become emotionally attached to the securities you own. It is important to periodically conduct a comprehensive review of your portfolio and your asset allocation plan, which includes discussing and reassessing your overall personal goals. We help provide an objective view of your current portfolio and point out areas that may benefit from repositioning.

PRODUCTS AND SERVICES

Managed Asset Plans through LPL Financial
Stocks, Bonds, Mutual Funds and ETFs
401k / IRA / 403-b/ SEP IRA / SIMPLE IRA Accounts, Rollovers and Transfers
Retirement Income Planning
College Savings Plans
Alternative Investments
Tax Deferred Fixed and Variable Annuities