INVESTING FOR INDIVIDUALS
We work with individuals & families to develop strategies that help guide them towards their financial goals.
We offer financial planning consultations to evaluate your financial situation, goals and risk tolerance. Through a series of personal interviews we will collect pertinent data, identify goals, objectives, financial problems, and prepare potential solutions. During the planning process we try to uncover any areas that could expose you to unnecessary risks. A good financial plan must be made in order to assure a smooth transition through life’s financial phases.
One of the most important aspects of a sound financial plan is the management of your investment portfolio. When you work with us you have access to our diversified model portfolios. These portfolios have a broad mix of stocks, bonds, mutual funds, and exchange traded funds within them. Our portfolios are managed using tactical asset allocation & modern portfolio theory as the basis of their foundation.
Retirement planning involves advice with respect to alternatives and techniques for accumulating wealth for retirement income or advice relative to appropriate distribution of assets following retirement. Additionally, self-directed retirement assets are evaluated and, where appropriate, recommendations and assistance are provided our clients.
College Education Planning:
Planning for secondary education has become a very important part of all financial planning. With the cost of education on the rise it’s never too early to start talking about ways to accumulate funds for a secondary education. Let us help you set up a 529 college savings plan or Coverdell education account today.
Estate Planning involves a review of assets and liabilities, the titling of assets and the consideration of trusts. We will provide advice with respect to property ownership, distribution strategies, estate tax reduction, as well as a discussion of gifts & trusts. Estate planning is where we help you lay out your plans to leave a lasting legacy.
Insurance planning includes risk management associated with advisory recommendations based on the combination of insurance types that best meet a client’s specific needs. This includes life insurance, health & disability, long-term care, and others as appropriate. In today’s world it is important to make sure that you have the right amount of insurance to mitigate any potential loss.
Accounts We Offer: