Wealth Management

Overview and Philosophy

Our investment philosophy is defined by a stringent set of principles, which guides us ’ and our clients ’ in creating long-term strategies designed to achieve their specific investment goals and objectives.

We manage the 2 greatest risk factors for our clients:

1. Asset Allocation- we structure the unique asset allocation that is reflective of each of our client’s current situation, goals, and feelings. Not only do we structure this unique Asset Allocation model for each client, we also rebalance it on a quarterly basis as the market changes, and we reallocate it as we meet with each client and update the client’s current situation goals and feeling.

2. The Investments Funds and Managers within the portfolio of each client and the interrelationship of each of these assets. We believe that each investment, fund, or manager must both be a quality investment standing alone as well as interrelate with other assets in the portfolio. Some investments, funds, and managers compliment others and some conflict with others.

Investment Management is a business, not a part-time job.

Our clients have worked hard to build assets; we work equally hard to enhance and preserve those assets

As wealth managers, we take an objective, unbiased approach, tailoring each plan to enhance, protect and ultimately transfer family wealth.

We do not try to be all things to all people. We concentrate on meeting the complex financial needs of a select member of wealthy individuals and families. Because we limit the number of clients with whom we work, we are able to deliver an exceptional level of service.

With the support of a team of specialists from a variety of financial disciplines, we offer a broad range of financial services, covering all of the thirteen wealth management issues with our clients.

  1. Investment Issues
  2. Insurance Issues
  3. Liabilities Issues
  4. Qualified Retirement Plan / IRA Issues
  5. Stock Options Issues
  6. Business Succession Plan Issues
  7. Durable Power of Attorney Issues
  8. Gifting To Descendents/Others During Life Issues
  9. Charitable Gifting During Life Issues
  10. Titling of Assets Issues
  11. Executor/Successor Trustee Issues
  12. Distribution Plan To Spouse/Descendents/Others At Death Issues
  13. Charitable Inclinations At Death Issues

Asset allocation is the key to long-term investment success.

Every serious investor should have an asset allocation policy ’ a strategy that diversifies client assets among a variety of investments.

Market timing does not work.

Correctly predicting when to get in and out of the financial markets is virtually impossible.

Emotions should not govern investment decisions.

Market noise may influence the way an investor feels, but it is not a good basis for making changes in portfolio strategy.

Asset allocation and diversification do not guarantee a profit nor protect against loss in a declining market. They are methods used to help manage risk.