Services
Solutions-driven, flexible, and highly responsive
flexible
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highly responsive
We are a flexible, solutions-driven team focused solely on your best interest. We strive to be a one-stop resource for all of our clients’ financial advisory needs.
As independent financial advisors, we are not beholden to specific financial products and services. Rather, we aim to identify the right solutions for you – even if that means referring you to an outside resource.
Core Services
Financial Planning
We are hands-on and tactical planners, quantifying what you can control and provisioning for what you cannot.
We identify what matters most to our clients—now and in the future—and develop financial plans that reflect their obligations and aspirations. We are hands-on and tactical planners, quantifying what you can control and provisioning for what you cannot. Our expense-based approach starts by pinpointing current and approximating future expenses. This information equips us to conservatively estimate the level of income and return necessary to address anticipated events while providing a cushion for the unexpected. A strong plan is one that supports and withstands the inevitable twists that life brings.
Portfolio Management
We create customized investment portfolios that reflect our clients’ personal financial plans.
We create customized investment portfolios on behalf of our clients.
Our Investment Philosophy
We believe that it is important to understand what we own and the inherent risks embedded in the investments. We do not invest in complex instruments in an effort to reach for return.
Our strategies include combinations of equity, fixed income, and alternative investments. In conjunction with your return objectives, risk tolerance, and tax position, we identify the appropriate target asset mix. Sometimes clients invest only in equities. Sometimes clients invest only in fixed income. And other times, clients invest in a combination. It all depends on the customized plan we develop to meet your personal needs. Regardless, we actively monitor and adjust your portfolio as markets evolve and life events warrant.
Our Investment Approach
We describe ourselves as asset allocators. We develop a top-down perspective on the markets, including but not limited to, geographic, market cap, style, and sector views. When it’s appropriate for clients to invest in equity, we generally utilize mutual funds and exchange-traded funds to achieve diversified exposure in the areas we want to invest and adjust that exposure as our market views shift. When we advise clients to invest in fixed income, we generally utilize higher quality, single-name municipal and/or corporate bonds (as opposed to bond funds).
We select investments based on bottoms-up research to express our market views. We derive tremendous value from our one-on-one conversations with money managers. Our dialogue and line of questioning further informs our views of the managers themselves and the opportunity set and risks in their segment of the market.
Our Portfolio Management service encompasses:
Portfolio Construction: Assembling the appropriate account mix to serve your liquidity needs, tax objectives, and legacy planning goals. Whether your goals include home-purchase saving, income tax deferral, charitable giving, or generational wealth transfer, portfolio construction is where efficient and effective execution begins.
Investment Management: Developing the target asset mix aligned with your return objectives, risk tolerance, liquidity needs, and time horizon. We believe in the long-term benefits of investing in financial markets. Investment management is how we help your money grow and advance your financial plan.
401k Investment Management for Employees
We bring active management to our clients’ 401k retirement plan accounts akin to other investment accounts.
Have you ever thought to yourself, “Thanks for the retirement benefit! Now what should I do?” If so, you are not alone. 401ks are easy to join, but difficult to understand.
We actively manage retirement plan accounts on behalf of participants working at some of the largest corporate and non-profit institutions in the US.
We help 401k participants answer questions like:
- “How much should I contribute from my paycheck?”
- “Should I contribute on a Pre-Tax or Roth basis?”
- “How should I invest my future contributions and existing balances?”
The answers to these questions change as your career progresses and needs change. Rather than “set it and forget it,” we bring active management to our clients’ 401k retirement plan accounts akin to other investment accounts.
Corporate Retirement Plan Advisory
We advise companies on the retirement plan benefits they offer employees.
We advise companies on the retirement plan benefits they offer employees. Retirement plans can be complex and convoluted for employers to manage on their own. We help employers implement the right plan to achieve their goals for employee participation, recruitment, investment return, cost, and operational efficiency.
On an ongoing basis, we update our corporate retirement plan clients on their investment lineup, enrollment efficacy, and fiduciary requirements. In addition, we educate employees on their retirement benefits and assist with enrollment and ongoing questions. As a corporate retirement plan advisor, we are a resource to the management team and their employees alike.