We offer the following services to individual investors:

• Investment management and planning
• Educational funding and planning
• Retirement planning
• Estate planning, in conjunction with the client’s legal adviser
• Risk management, in conjunction with the client’s insurance adviser
• Tax planning, in conjunction with the client’s tax adviser

Accurately identifying the investment objectives and goals, the asset allocation, and the appropriate asset classes to be used for each client are critical to long term success. A cookie cutter approach doesn’t work in building a long term investment portfolio. One of the challenges of portfolio management is correctly assessing the appropriate and unique risk tolerance of each client. Further, we must fully understand and define the investment goals, income needs, liquidity requirements, tax considerations, intra and inter-generational issues, and many other factors specific to each client before implementing any investment portfolio strategy.

We have the experience and capability to work with clients and their tax, insurance, and legal advisers in determining educational funding strategies, retirement projections, and estate planning. We never lose sight of the fact that the money we are managing belongs to you. Therefore, we believe it is imperative that you understand and are comfortable with every portfolio strategy that we formulate and implement. The dynamics of the financial markets demand that we remain vigilant in expanding our core body of knowledge and we share our insights with clients through regular articles and newsletters.

Our responsibilities don’t end with investment management. We will work with you to ensure that your essential life cycle documents are in place and well organized, such as insurance coverage, wills, living wills, durable powers of attorney, trusts, and guardianship papers. We are happy to provide referrals to insurance, tax and legal professionals, if needed.