Services

We provide financial planning and investment management services on a "fee-only" basis with no minimums.

Our services include:

• Financial Planning: Many of our clients engage us to prepare a financial plan for them. This covers areas such as Net Worth and Cash Flow Analysis, Investment Planning, Tax Planning, Retirement Planning, Insurance Planning, College Planning, Charitable Planning, and Estate Planning.

• Investment Management: Our clients typically also engage us to manage their investments. We develop an Investment Policy Statement based on a Risk Tolerance Analysis. We recommend a suitable portfolio, implement it and monitor it for our clients. We periodically make changes to the investments, and meet with our clients to review investments.

• Targeted Financial Planning / Hourly Advice: We also do specific projects for clients that involve targeted advice. Examples include answering questions like:
• How well is your portfolio allocated? Are you comfortable with the risk in the portfolio? Is it on track to deliver the return necessary to achieve your goals?
• Are you confident of being financially secure in your retirement? How can you minimize the chances of outliving your assets?
• Do you need or have appropriate life insurance, disability insurance and long-term care insurance coverages?
• Does your monthly cash flow (income and expenses) allow you to save? Would you be better off creating and and living within a budget?
• Have you planned to provide a college education for your children? What is the best way of doing so?
• Do you have the appropriate provisions in place to minimize estate taxation? Are your wills up-to-date?