Wisdom

We leverage years of experience to create personal care around thoughtful wealth management. Count on us for plainspoken and prudent ideas needed to safeguard your wealth.

Stewardship

Stewardship is not just a buzzword! We engage the wisdom imparted to us and leverage tools and resources at our disposal in every aspect of our relationship with clients.

Comprehensive Financial Advice

Financial planning addresses concerns and expectations for retirement and identifies obstacles that threaten success. Most importantly, it instills confidence and helps to navigate the complexity of the modern financial world.

Goal-Based Analysis

This method is the process of prioritizing financial goals and determining the optimal plan to fund those goals. Financial planning is more than assets, investments, and net worth. It’s about identifying concerns, expectations, and fears – it’s about creating a plan that provides clarity for a lifetime.

Cash Flow Analysis

The most powerful financial planning tool is the Cash Flow Analysis. This process is where the rubber meets the road. The money you save today and spend over a lifetime is the single most crucial aspect of a successful financial plan. It is the one place in our financial lives where we have complete control of the results.

Education Planning

The ever-rising cost of higher education demands rigorous strategic planning. What was once a ubiquitous right of passage is becoming one of the most significant expenses for the American family. When starting a family, college feels very distant and something to untangle when you’re no longer sleep-deprived. However, a comprehensive strategy devised early in the child’s life can provide the clarity needed to harness the uncertainty and attack the problem confidently.

Legacy Planning

A good steward is responsible for those placed in his care and those who follow in their footsteps. How do we ensure our children are planted on solid ground? Legacy planning is a financial strategy that combines traditional estate wealth transfer with family values and principles.

Life Insurance

Will someone in my life be adversely and financially affected by my untimely death? If the answer is “Yes,” we need to consider strategies to reduce or eliminate this undesirable legacy. Life insurance is the most commonly used tool for protecting us from this type of unexpected paradigm shift.

Long-Term Care Insurance

“By allocating nothing for long-term care, you allocate everything.” Long-term care (LTC) refers to the help associated with chronic illness, disabilities, and other conditions needed daily for an extended period. We can simulate various LTC scenarios, including current regional LTC pricing, to provide a context for a potential expense not covered by Health Plans or Medicare.

Investment Implementation

Growing and preserving wealth is a vital part of every successful financial plan. Investments play a significant supporting role in this endeavor. However, it’s essential to understand the risk and rewards of investing that can enhance or undermine a plan’s long-term goals.

Risk Analysis

What is too much risk? What is the level of pressure endured before decision-making skills fail? Great questions, but unfortunately, very difficult to decern. If you get this incorrect, the potential for future lousy decisions increases exponentially. It's critical to uncover baseline financial standards that point to an investor's level of investment risk or point of capitulation.

Portfolio Construction and Management

Strategic asset allocation is the philosophy that guides our approach to Portfolio Construction. We focus on the big picture and think about investments on a long-term horizon. We utilize quantitative and qualitative research to inform the allocation of our portfolios. Once the macro, strategic decisions are made, we make balanced and data-driven choices about which investment vehicles (Mutual Funds, ETFs, etc.) are appropriate components to implement the portfolios.

Ongoing Portfolio Due Diligence

"Set it and forget it" works well for infomercials and egg timers but not for investments. At six-month intervals, we apply rigorous standards to the investments chosen to implement our investment portfolios. We utilize resources from Commonwealth Financial Network, Morningstar, Lowry Research, Bloomberg, and several others to fully understand every nuance of portfolio components. We can closely monitor performance, risk measurement, and expenses by standardizing the constituent investments across our various investment models.

Client Communication

Intentional and systematic communication is the secret sauce to any prosperous endeavor. Healthy communication is essential to any long-lasting relationship and that, most importantly, cultivates more candid conversations.

Portfolio Review

Our responsibility is to meet with clients annually to review their financial plan, investment allocation, portfolio performance, and other relevant aspects to confirm that all goals are on the proper trajectory. Our staff proactively schedule the review meetings, remind clients of critical financial deadlines (contribution deadlines, insurance premiums, etc.), and follow-up on strategic directives.

Advisor Coordination

It is crucial that all the professional advisors (CPA, lawyer, bookkeeper, etc.) and family members are on the same page and synchronized in their problem-solving approach. We take the lead to ensure the left hand is helping the right hand. Without a conductor, who unifies the performers, sets the tempo, listens critically, and shapes the sound of the ensemble?