With our office, all aspects of the job stay in sync so you can feel at ease. By applying experience, research, advice and follow-through in a single-office approach you benefit from a unified vision for all of your needs.
Our process starts with a discovery meeting to ensure we understand your goals and needs. This complimentary part of your consultation is an important step to move past a traditional experience and into the full consultative process you will come to value when achieving your objectives.
Our Investment Advisory Process
Our Discovery Process focuses on what is most important to you, both financially and personally. We will look at all the major aspects of your financial life: your specific values and goals, your time horizon, your income and liquidity needs, and your general comfort level with various markets. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.
In order for us to thoroughly understand your situation, we will take a comprehensive inventory of your current financial position, including strengths, gaps and weaknesses. We will also analyze the effectiveness, composition and expenses of your existing portfolio. We will analyze specific items for action to make sure that your goals and financial situation are aligned.
Based on our analysis, we will develop a long-term wealth plan focused on getting you from where you are today to where you want to be in the future. Through this process, we will address any items that need clarification and make alterations based on additional information as it arises. We think that an open, honest dialogue about your financial needs, beliefs, expectations, and concerns is critical to any successful advisory relationship.
The next step is the implementation of your plan. In addition to creating your investment portfolio we will also integrate the other aspects of your financial life to address all of the non-investment action items we’ve identified. You will also receive an Investment Policy Statement, which documents what we have agreed to and assigns responsibility and accountability.
Your plan is never static. That’s why we’ll make our Discovery Process a continued part of our meetings, so that your plan always reflects your life. We will monitor your plan closely and provide you with clear and concise reporting. In addition, as financial markets rise and fall, your portfolio’s exposure to stocks, bonds, cash and other investments will tend to fluctuate as well. Through periodic rebalancing we will make sure your portfolio maintains its ideal composition. This helps control the level of risk in your portfolio and minimizes emotional decision making.
Selection of Services
Below is a sample of what we can provide you, your family, and your business.
+ Financial Advising
As your independent advisor we will work together to find the best solutions available that suit your exact needs
- Assess your financial needs and goals
- Review your current holdings for any gaps, and evaluate both efficiency and effectiveness of your investments
- Develop investment plans based on your personal comfort level, time horizon and income needs
- Review and discuss multiple, vetted money management solutions
- Provide advanced asset allocation to increase diversification and minimize fluctuation of your assets
- Review your investment plan and provide counsel during life-changing events
- Revisit your investment plan and discuss alternative courses of action during market instability
- Consistent monitoring and rebalancing of assets to ensure optimal allocation
+ Asset Protection
As a team of trained, independent insurance professionals we analyze and interpret multiple insurance options and policies to take advantage of their differences in design and features to provide you with the best possible option for your specific needs, not just the limited, off-the-self option of one carrier
- Life assurance
- Health assurance
- Disability assurance
- Long-term care assurance
- Fixed programs
- Variable programs
+ Banking Products
- FDIC insured, high-interest checking, savings and CDs
- Maximize FDIC insurance protection of your assets