Our approach is to LISTEN to our clients. Through listening, we gain an understanding of our clients’ concerns, anxieties, aspirations and the purpose for their wealth. We then determine clear financial goals that will help fulfill this purpose. With a firm understanding of the client’s goals, we can then begin to plan accordingly.
We serve a limited number of individuals and families. Our clients understand the value of having a trusted and dedicated advisor to help them manage, organize and simplify their financial affairs. Our clients pay a straightforward fee that is based on investment assets.
It is our belief that all clients, regardless of age, wealth, investment experience and family structure, must plan in order to meet their financial goals. Our planning process is based on organization, analysis and execution. The ultimate goal of this process is to simplify the unique complexities of each client’s financial situation and empower them to confidently make financial decisions.
We invest in a manner that helps clients meet their goals. To do so, requires both a technical understanding of each investment as well as the role that investment plays in an overall investment plan. We analyze client portfolios to identify risks, opportunities, potential outcomes and whether the investments are working in concert with one another. With a clear understanding of their investment portfolio, we can be confident that we are moving the client closer to achieving their goals.
Many of our clients have a common goal – they all plan to live off of income (now or in the future) generated by their assets. To achieve this goal, it is critical to design an income plan that effectively takes assets that have been accumulated over years and repositions those assets for distribution. By evaluating a client’s assets from a tax, estate planning and cash flow perspective, we can confidently position a client’s assets in order to generate their desired amount of income.
Oftentimes, a client goal will be to mitigate or eliminate certain financial risks and sometimes insurance is the best way to do just that. Our insurance planning process stems from our financial planning work. Part of gaining a complete understanding of client’s financial situation is identifying their exposure to certain risks and whether their current insurance coverage offers sufficient protection. Should an insurance need be identified, we work with clients to find and secure the necessary coverage.