Broker Check

Our Services

We provide two primary financial advisory services, as described below:

  1. Financial Planning
  2. Portfolio Management

1) Financial Planning:

Financial planning is one of the most important services that successful people use to create an extraordinary business career and personal life. We believe in the value of comprehensive financial planning, which requires integration of the following key areas of your financial life:

  • Net Worth & Cash Flow Analysis
  • Risk Management (Disability and Life Insurance Planning)
  • Tax Planning and Management (improving your wealth-building efficiency)
  • Retirement Planning (Financial Independence)
  • Estate Planning (with an assessment of the need for an updated will, trusts and advice on helping you transfer your lifetime assets to your heirs and/or to worthy causes.)
  • Investment Planning
  • Educational Fund Planning (if applicable)

The Financial Planning Process:

Step 1: A complimentary meeting, where there is a mutual process of getting to know each other in order to determine whether our services would be of benefit to you and your family.

Step 2: Mutually identifying your personal goals, objectives, and aspirations, so that we can better understand how your primary assets--your time and your finances--can be organized to achieve these goals. Our first planning session is typically spent compiling your current assets, taking an inventory of insurance coverage's, as well as wills and any estate documents. At this time we also review your monthly income and expenses, as well as your tax returns. We learn about your past investment experiences and attempt to evaluate your tolerance for investment volatility and risk. Meanwhile, if there are any short-term or specific goals that you wish to achieve, we will provide you with guidance or assistance at this time.

Step 3: A preliminary financial analysis with proposals and initial recommendations. This includes an evaluation of whether the goals articulated on the goals list are achievable within a reasonable time frame. At this point, we will make recommendations on all your investment holdings with suggestions for change, if appropriate.

Step 4: After receiving feedback from you, we revisit the financial planning analyses and proposals, adjust recommendations where appropriate, complete asset transfers, implement investment recommendations, and begin to take action on any estate planning and insurance issues that are addressed in the plan.

Step 5: Continuously monitoring the progress toward your goals to see what, if anything, needs to be adjusted to your financial plan for the upcoming year. The end result is a financial plan that is specific to your needs and addresses both tangible and intangible goals. It strikes a balance between the financial choices you make that consume capital, and the value-based goals you wish to achieve that are intangible in nature but have everything to do with creating a satisfying life. In situations where a specialist (attorney, tax or insurance professional) is appropriate, we will provide referral options and offer to coordinate with that specialist.

2) Portfolio Management:

We believe that a consistent, disciplined approach to portfolio management offers the best chances for success.

Our portfolio management approach is based on the following strategies:

Investment Strategy:

We believe in asset allocation. Studies have shown that asset allocation is the dominant factor in determining total portfolio return. We also believe that, as a general rule, the future cannot be predicted and neither can the direction of stock prices. Therefore, it generally makes more sense to build investment portfolios based on exposure to asset classes, rather than on the performance of individual stocks. We focus on fundamentals and avoid speculating on so-called hot stocks or mutual funds.

We believe in diversification. Studies have shown that diversifying investments can both reduce volatility (risk) and possibly raise the potential for investment returns. In an effort to achieve these objectives and achieve an appropriate level of diversification, We believe that investment portfolios should have a mix of asset classes (e.g.: cash, large and small U.S. and foreign stocks, bonds of varying maturities and issuers, real estates, etc.). Ultimately, investments are generally intended to provide for certain future expenses. To meet these needs, the investment asset must be designed to grow over the long run and be convertible into cash when needed. Therefore, as investment strategies are developed and specific investments selected, it is done with an eye on both 1) long-term growth and income potential, and 2) the ability to generate ready liquidity as circumstances warrant. Tax reduction strategies may also play an important role in these recommendations, depending on the client's tax status and other financial circumstances.

We believe in Tactical Asset Allocation. Investopedia describes TAA as: "An active management portfolio strategy that re-balances the percentage of assets held in various categories in order to take advantage of market pricing anomalies or strong market sectors."

The goal of Tactical Asset Allocation is to:

  1. Minimize Investment Losses
  2. Participate in Advancing Markets
  3. Move to Areas of Strength and/or Defensive Positions in Declining Markets

We select money managers who employ CFAs (Chartered Financial Analysts), engineers, CFP®s and other industry veterans for their strengths of stock picking and defensive trading so that we are constantly working for you to try to give your portfolio the best opportunity for long-term growth and income while attempting to protect your money from major losses along the way.

Tactical money management does not guarantee a portfolio from losses or assure a profit, but it does offer disciplined and time tested investing with sell strategies in place from the date you enter the portfolio. By minimizing the losses, you do not have to 'shoot for the moon' to 'recover', which further increases your portfolio risk.

(Source: Dalbar). Diversification and asset allocation strategies do not assure profit or protect against loss.

Our Compensation

    1) Financial Planning Fees:

At the client's discretion, and based on the nature and scope of planning work to be performed, clients may pay for planning services in one of two ways:

  1. Hourly fees: Hourly fees. At the rate set forth below. This approach is typically recommended for shorter term consulting requests or more limited financial planning and analyses. It may also be appropriate when the extent of work to be done is very unclear. The Advisor hourly fee is $200.00 with a minimum engagement of five (5) hours.
  2. Project fees: Project fees. These are fixed at the beginning of the engagement and based on an estimate of the time required to complete the work. This approach is for both basic planning and for complex planning cases. The project fee is based on the hourly rate listed above multiplied by the number of hours Applicant expects to spend on the project. Usually this will require 10 to 30 billable hours or approximately $2,000 to $6,000.00. Client fees are outlined in advance in writing and are collected 50% upon engagement and 50% upon plan delivery.

    2) Portfolio Management Services Fees:

For those clients making use of Portfolio Management Services, the fee is based upon the total asset under management. The specific services and compensation arrangements appropriate for each client, as well as appropriate disclosures, are documented in an agreement signed by the client prior to services being rendered.

Investing involves risk. Depending on the type of investment, there may be varying degrees of risk. Investors should be prepared for loss, including total loss of principal. Asset allocation and diversificaiton strategies do not assure profit or protect against loss.