Plotting the path to financial independence
For clients seeking expert guidance in financial planning in addition to money management, we offer planning services, including:

When we meet with a new client and establish a client's financial goals, we can discuss with the client cash flow and savings' goals. Where there are minor children, we discuss ways so fund college and help establish those accounts. And finally we discuss the world of investments and our firm's unique approach to investing and why it has been successful over the last 25+ years. We do this orally at no charge rather than drafting a lengthy financial plan that we discovered clients often do not read. The purpose of this exercise is to assure each client's financial health, assure that assets are protected, plan for college for children, and plan for each client's financial independence and retirement.

Thereafter, we review the progress that is being made with each client, making sure that clients are aware of how much they are spending and saving and encouraging clients to establish savings' goals. We also regularly review each client's investment portfolio and make sure that clients understand how our firm is investing the assets in the client's portfolio.

Many clients want us to focus on services on investing their assets. For those clients with a minimum of $750,000, we will manage their money for a fee of 1% of the assets per year. Before making investments, we need to know all about the client in order to develop an asset allocation ideally suited to help meet the particular client's goals taking into account the client's risk tolerance. We want to make sure that each client is comfortable with the investments we will make and the level of risk.

After we ascertain that the asset allocation is comfortable for our client, we select specific investments in each asset class (domestic and foreign stocks, mutual funds, bonds, real estate, precious metals equities, etc.) that we think meet the needs of this client. We then present the recommended portfolio to the client. If it meets the client's approval, we begin the implementation process.

For information on our fees and terms, see How We Work.