How We Can Help:
Asset Management Services
Active portfolio management utilizing our model portfolios that are designed to match our client’s tolerance for risk and investment objectives. All are managed utilizing our flexible asset allocation strategy.
The minimum is $25,000 on our brokerage platform and our mutual fund platform has a $10,000 minimum. We are fee-based advisors and do not charge commissions or sales charges to manage the portfolios. The cost is 1.40% per year for the first $100,000 with discounts thereafter. The management cost includes; portfolio design, implementation, monitoring, ongoing portfolio management, rebalancing, regular reviews, and online access to your accounts. For our investment clients with combined account balances of $100,000+, a comprehensive financial plan is also included. We also have investment solutions for accounts below our minimums.
We specialize in setting up retirement plans for individuals who are self-employed as well as businesses that need to provide a plan as a benefit to recruit and retain valuable employees and as a way for their employees to save pre-tax dollars for the future. We also have solutions for sustainable income strategies for retirees that need to start taking income during retirement.
Comprehensive Financial Planning
A comprehensive financial plan helps to give you direction in your financial life. A plan is only as good as the information that you put into it, so we start by having a discussion with you about your needs, goals and dreams. We then develop your plan, which helps you get a clearer picture of your goals and what actions need to be taken to get you to where you want to be now or in the future. Once your plan is implemented, then together we review your plan annually to make any adjustments. Depending on your goals or needs, the plan may include:
- Net Worth Statement
- Lifestyle and Career Goals
- Savings Goals
- Employee Benefits Optimization Review
- Cash flow Planning
- Insurance Analysis and Protection Planning
- Estate Planning
- Tax Planning and projections
- Retirement Plan recommendations
- Investment Analysis and recommendations
- Asset allocation for your employer 401k or 403b plan
For our investment clients with combined account balances of $100,000+, a comprehensive financial plan is included in the portfolio management services we offer.
We also offer a Financial Assessment. The Financial Assessment covers up to two areas of financial planning. These could be how to budget for your goals, how much do you need to save for retirement, how to allocate your 401k/IRA, do you need life insurance, long-term care, disability insurance or review what you are currently doing with your investments that you manage yourself.