We design a customized investment Plan to meet your goals whether it is for accumulation or income planning. As part of our process we make tactical changes to the portfolio ongoing that seek opportunity and also downside risk protection. Market environments change and your portfolio needs to adapt. We also seek tax efficiency by harvesting tax losses when appropriate. For larger accounts, we also buy and sell individual corporate and municipal bonds for clients on an ongoing basis for income purposes utilizing a laddered bond strategy. Unlike commissionable brokers we act as a Fiduciary to our clients meaning we are accountable to act in your best interest and not ours. Currently we utilize Schwab Institutional and TD Ameritrade to custody our client’s assets. Both Schwab and TD offer our clients virtually any publicly traded investment and the option to purchase institutionally priced investment vehicles. In addition, both Schwab and TD provide insurance on your account in the event of theft or fraud.
We encourage our clients to seek our advice for all their financial decisions from analyzing real estate opportunities to whether to buy or lease a car. Many financial planning firms will charge extra for this privilege but we do not. We are very familiar with the specific financial decisions faced by small business owners and professionals.
Perhaps the biggest challenge today is generating an adequate income stream. We utilize a diversified blend of investments to achieve our clients desired level of income. Understanding Social Security Income options and the complexities of Medicare coverage are also key elements in retirement.
As part of our review we will analyze your existing estate plan and assist you in the transfer of assets into your Trust as necessary. Beneficiary designations are reviewed as well as which assets provide the optimal source of income or transfer to the next generation. And lastly, an insurance review is conducted.
We work with your current tax and legal advisors to formulate the most effective strategies to suit your needs.