Services

Our Services at a Glance

• Comprehensive, holistic financial planning
• Investment management
• Estate planning
• Tax consulting
• College funding
• Cash flow planning
• Retirement planning

How We Work With You

I provide financial planning and investment management services to individuals who have a variety of investment goals.

The journey to financial security and independence typically begins with an in-depth conversation.

This initial consultation, which is completely without obligation, lets us get to know each other. I find out what you want money to do for you. I begin to understand your goals and objectives and the resources you have. You get to know me and learn about how I work with my clients, the services I provide and how I can best meet your needs.

Investment Risk Assessment. Your investment portfolio has to balance the risk needed to achieve your objectives with your personal risk comfort. We will construct your portfolio with the greatest likelihood of success with the lowest possible risk.

A Comprehensive Financial Plan is often the first step once you decide to contract with us. It includes an investment risk assessment, an analysis of your resources, the answers to lots of questions about your objectives and our recommendations. Only when your likelihood of success is appropriate do we move on to implementation. Your plan also addresses other financial considerations that impact your life—estate planning, college funding (if appropriate), taxes, cash flow expense planning, retirement planning—and more. Our financial planning is truly holistic.

Investment Policy Statement. We provide you with a document that fundamentally outlines how we will manage your portfolio. It is our roadmap. It brings together information from our many conversations, your risk assessment and your financial plan, and it provides you with confidence that we both understand your objectives and have a solid plan for how we are going to get you there.

Plan Implementation contains all the action items we perform to fully populate your portfolio with investment vehicles. Working in conjunction with our expert investment team, I will populate your portfolio using a variety of investment vehicles, including mutual funds, as well as stocks and bonds when appropriate.

Ongoing Monitoring and Review. Your portfolio undergoes a thorough analysis at least once per quarter. Fixed-income holdings are monitored for changes in credit quality, business focus and merger activity using alert mechanisms from our various information systems. Mutual funds are monitored for changes in ownership, management or investment strategy. We will rebalance your portfolio as necessary to be sure you stay on track.

Reports and Meetings. My clients receive reports quarterly or more often, detailing holdings, market value and activity. These reports contain a quarterly performance review comparing investment returns to appropriate benchmarks.

To review your financial and life planning goals and your progress toward achieving them, we will meet in person at least once a year—if not more. As your personal situation evolves, we will make changes in your plan or portfolio to account for them.