Our Services

FINANCIAL PLANNING These services are oriented toward developing written strategic plans for solving specific problems and/or reaching specific goals depending on family needs. There is a one-time fee charged for this initial plan development. Fees may be between $500 and $4,000 depending upon the complexity of the plan. They are available individually or as part of a comprehensive plan that often includes: Retirement Income and Capital Needs Analysis Investment Analysis, Allocation and Strategies Estate Planning and Tax Minimization Charitable Giving Strategies Education Savings Risk Management WEALTH MANAGEMENT SERVICES Our wealth management services provide a comprehensive level of planning and investment management in two phases. The first phase of our wealth management services includes development of a financial plan and portfolio design. There is a one-time fee charged for this initial plan development as outlined above. The second phase of these services is on going management and financial planning services. Included with this phase are quarterly reports on the client's investment portfolio, target allocation and related performance. This includes a tracking of portfolio holdings, interest and dividend payments, capital gains, overall portfolio performance, and other financial measurements. Periodic meetings are held with the client to review their current situation and investment portfolio. These services are limited to those with a minimum of $50,000 to place under management. Fees are calculated as a percentage of assets under management and include ongoing financial planning services. INVESTMENT ADVISORY SERVICES These services begin with the establishment an Investment Policy Statement developed from the portfolio optimization process. We will implement, manage and re-evaluate your portfolio on a regular, ongoing basis. The fees for these services are the same as our Wealth Management service with the exception of the initial plan development fee. Once an asset allocation strategy has been determined for a pool of capital through the optimization process, specific investment decisions must be made. A carefully selected group of no-load mutual funds is typically used for most portfolios under $500,000. Larger portfolios may be appropriate for our private account management service.