Services

We believe in providing our clients with unique and detailed personal strategies to help bring direction and meaning to financial decisions. We offer comprehensive and advanced financial planning services to develop a "road map" to help you achieve your financial goals and dreams. Our investment management philosophy is rooted in the Modern Portfolio Theory developed by Harry Markowitz and William Sharpe along with the Brinson, Singer, and Beebower study on the importance of asset allocation. We tailor our financial plans based upon and in depth conversation and information gathering session with each prospective client, culminating in the delivery of a detailed financial plan addressing each of the following areas of concern:

Tax Planning Strategy

Retirement Income Strategy

Investment Strategy

Risk Management Strategy

Estate Planning Strategy

Once we have reviewed the financial plan, we take the time to ensure that each client understands the plan and has an understanding of the expected results in both good economic conditions as well as bad.

We offer fee-based investment services that focus on incorporating the Modern Portfolio Theory and enhanced diversification strategies into each client portfolio. Through Pershing, LLC we have access to timely industry research and risk management strategies that can help us pursue the investment goals detailed in our clients financial plans. We utilize the following investment vehicles in our client portfolios as determined by the client's stated needs and objectives:

Bonds

Common Stock

Preferred Stocks

Exchange Traded Funds

Hedging Options and/or Cash Secured Puts

Educational IRA

Traditional IRA

Roth IRA

SEP IRA

Simple IRA

Brokerage Accounts

Treasury Bills

Government Securities

Treasury Notes

Variable Annuity

Fixed Annuities

Indexed Annuities

You got where you are today by working hard and working smart. This means using all your resources to their maximum. Your time, talent and resources are on the line and at risk. It is imperative that your financial and estate plan takes into consideration the risks that you, your family and your business cannot afford to take.

In a portfolio, you diversify risk, but when it comes to protecting your ability to think, earn money, plan and create, how do you react? To protect your family, business and assets, the risk to your abilities also must be diversified. The least expensive and most intelligent method is through insurance. We are experts in helping those we serve protect what they care about:

• Life insurance
• Disability insurance
• Long-term care insurance

Without the proper amount of coverage, a financial or estate plan may fail, leaving you and your family with many unmet dreams and goals and potentially causing financial devastation.