Our Firm
We have been in business since 1981 providing financial services to our customers. Our business is comprised of three distinct areas of specialization, including Fee Based Financial Planning, Investment Services and the sale of various Financial Products. Below is a more detailed explanation of each area.
COMPREHENSIVE FEE BASED PLANNING
Personal Financial Planning is the holistic process of managing your money to achieve personal economic satisfaction. This planning process allows you to control your financial situation. Every person, family, household or business has a unique financial position. Therefore, any financial activity must also be carefully planned to meet specific needs and goals. In other words, where am I at, where do I want to be and what are the strategic steps necessary to achieve my desired out come?
This consulting process begins with a completed questionnaire and collecting pertinent financial data to evaluate the current situation and establish goals to identify which aspects of your financial status needs improvement.
A comprehensive financial plan can enhance the quality of your life and increase your satisfaction by reducing uncertainty about your future needs and resources. Some specific advantages of personal financial planning include:
1. Increased effectiveness in obtaining, using and protection of
your financial resources.
2. Improved personal relationships resulting from well-planned
and effectively communicated financial decisions.
3. A sense of freedom from financial worries obtained by
looking to the future, anticipating expenses and achieving
your personal economic goals.
We all make hundreds of decisions each day. Most of these decisions are quite simple and have few consequences. Some are complex and have long-term effects on our personal and financial situations.
The Financial Process is a Logical Six Step Procedure:
1. Determine current financial situation.
2. Develop your financial goals.
3. Identify alternative courses of action.
4. Evaluate alternatives - Consider: life situation, personal
values and economic factors. Asses: risk, time value of
money and opportunity cost.
5. Create and implement your financial action plan.
6. Review and revise the financial plan as needed.
Typically, we work with comprehensive plans but we will also do planning in select areas such as Retirement, Estate, Investment and Business Succession Planning.
INVESTMENT SERVICES
For the mid to high net worth investor, we offer a personalized wealth management service. This service is offered through a select group of Portfolio Strategists and exceptional institutional money mangers. Portfolio design and management tools are based upon the latest academic thinking.
Strategists are chosen with different mandates and their own unique analysis. Common mandates include, Strategic Asset Allocators, Tactical Allocators, Absolute Return Strategies and Quantitative Asset Allocation approaches.
Investment Management Firms are responsible for selecting the individual securities inside a portfolio and their investment options might include: No Load Mutual funds, Exchange Traded funds (ETF's), Unified Managed Accounts (UMA's) or Privately Managed Accounts. Use of Alternative assets classes such as Real Estate, Oil and Gas, Gold and Commodities are also available.
Our Six Step Investment Process is as follows:
1. Financial Risk and Portfolio Analysis
2. Asset Allocation Determination
3. Portfolio Strategists Selection
4. Select Investment Managers
5. Monitor Results and Rebalance Portfolio
6. Reporting to Client.
The likelihood of achieving success in your investment strategy may be greatly improved by adhering to a disciplined investment process.
FINANCIAL PRODUCTS
The third component of our business is the representation and sale of financial products from many of the finest financial companies in America. We are an independent company, so we have the ability to pick and choose products from the vast array in the marketplace that are appropriate and competitive for our clients.
We continually engage in our due-diligence oversight of the various products available, so that, our customers know that they do not have to shop on their own for a better deal. They have confidence in our recommendations. We represent our clients interests first and foremost.
The categories in which we represent numerous top tier companies are as follows:
- Life Insurance
- Variable and Fixed Annuities
- Disability Income Insurance
- Long Term Care Insurance
- 401(k) and Retirement Plans
- Real Estate Investment Trusts (REITs)
- Oil and Gas, Equipment Leasing and other Alternative Investments
- Mutual Funds
- College Saving Plans
- Health Insurance
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.