Our Services

Risk Management

We provide clients access to a level of professional portfolio management customarily reserved for institutional or very wealthy clients, focused not only on performance but also reduced volatility. In addition, their portfolio can be quickly, efficiently, and seamlessly adjusted due to changes in their personal circumstances or market conditions, so that their investment portfolios are always in line with their current goals and objectives.

Retirement Planning & Investment Management

After listening to your needs, wishes and goals, we help you develop an appropriate plan to ensure a comfortable retirement. This will include reviewing your existing portfolio, risk tolerance and goals to develop a customized investment portfolio.

Income Planning

We address your current and future income needs, and then develop a plan to ensure your assets, income, expenses, and savings will meet those needs comfortably.

Estate planning includes the management of your income and assets while you are living, as well as the orderly distribution of your assets upon death. Efficient tax management and minimization is critical during both phases. We work to plan and address the unique concerns of each client and family. Through extensive discussions that might take place over several years, we help our clients define their goals and their end-of-life preferences. Then we work with estate planning attorneys (including attorneys who have already been advising our clients) to make sure that legal documents identify those choices clearly and accurately.

Tax efficiency is a vital part of a financial plan at every stage, and so we approach tax planning as both a year-round and lifelong process. Too often, financial advisors focus only on reducing taxes in November and December, at which point options are limited because they have lost the opportunity to employ tax management in the previous 10 months. Given the potential drain on wealth, we believe that tax management should be a cornerstone of every investor’s planning process. It calls for greater sensitivity to the tax consequences of portfolio implementation by employing effective tax management techniques and strategies throughout the year.

Special Needs Planning includes planning for your retirement, plus your child’s well-being once you are gone. Careful planning may include multiple, overlapping areas of concern to develop a thoughtful, holistic plan. Areas to consider may include retirement planning, investment planning, risk management, estate planning, life insurance, government benefits including supplemental security income (SSI), educational advocacy and asset protection using special needs trusts.