Wealth Management

Do you have a financial plan? Does your financial plan address your retirement needs? Is it personalized to your situation? Is it easy to understand and act upon? 

We’ll help you retire on your schedule, provide for your loved ones, maintain your quality of life in retirement and leave the right legacy. Our plans consists of easy-to-implement strategies and are easy to understand. We integrate your investment strategy with all other aspects of your financial life, and prepare a holistic, customized plan while covering today’s needs as well as retirement cash-flow, tax optimization, life and disability insurance requirements and your estate. With our financial plans you will have the comfort of knowing that we are looking out for your financial best interests. It’s the peace of mind that comes from knowing your financial life is under your control. 

We begin with an in-depth discussion of your future needs, establishing your goals, and then developing a personalized plan to maximize the likelihood of reaching those goals. We work together to develop your plan with the depth and detail you need to make important financial decisions. Financial planning is a valuable component to a wise investment strategy. We have helped many families, for almost three decades, plan for their future. It has been our experience that potential clients who go through this process become investors who are better equipped to make educated decisions about their financial futures.

Investors who follow a plan have a higher probability of achieving their goals than those who act on their emotions or make frequent changes based on the events of the day. Two of the main components of our investment process are unbiased portfolio construction and risk management. We believe that thinking and acting for the long-term is critical and this lies at the center of how we manage client portfolios. 

Behavioral counseling, a balanced investment plan and consistent communication are the tools we employ to help our clients reach their financial goals. While long-term returns are the only ones that matter, we recognize that the long-term is not where life is lived. This is why we implement a  low-cost, systematic risk management strategy to ensure that investors can handle periodic volatility without abandoning their investment plan. With a constant focus on risk management, we’re always looking to balance shorter-term fears with longer-term needs and objectives, so that clients can remain comfortably committed to their plan. 

We follow evidence-based investing practices, this ensures we can stay the course over the long run, weathering the highs and lows of the market to achieve results and grow our clients’ wealth. A big advantage to this approach is that it keeps our fees low so your investment dollars go further than with other firms. We broadly diversify your holdings and focus on your asset allocation. By building global portfolios using both active and passive management strategies, we are able to capture the better return from the overall markets and reduce volatility.

We believe that clients who ultimately benefit the most from our services understand something very important about behavioral finance, proven time and time again: Investors are not hardwired to make rational decisions when confronted with emotional, challenging facts with regard to their investments. We generate a great deal of value as financial advisors by understanding this. A large part of our job is to act as a barrier between investors and their own worst instincts. We help to provide a buffer between both the Buy & Sell button. We know that over our clients’ lifetimes there will be economic, political, and market events that will create significant emotional hurdles. Our mission is to assist them to clear these obstacles. 

But you don’t only hire a financial advisor simply to talk you off the ledge during the market volatility we will face in the future. You hire us to help you with major issues similar to, but not limited to, these situations: 

• Let you live the life you have earned. You may be nearing retirement and unsure of when, how, and to what extent you can draw sustainable income off your investments. 
• Determine if you are able to pay for your children or grandchildren’s university education. 
• Identify and plan for the amount of money, above and beyond your day-to-day expenses, cover things like travel, a second home and any philanthropic goals. 

The bottom line is you should be thinking about working with a firm that can be a wealth manager, financial advisor and a financial planner to assist you in best utilizing your means to accomplish the various ends you have in mind for your lifetime.