Services
"The dominate determinant in achieving success as an investor is not a function of investment performance, but instead a function of investor behavior."
-Nick Murray
Products & Services
We offer wealth management and financial planning through LPL Financial. We work diligently to create an investment plan that integrates all the critical components needed to fit any level of risk tolerance, lifestyle goals, and business objectives. We utilize a statistical approach to investment management called Asset Allocation. This process which is driven by complex mathematical models should not be confused with the much simpler concept of diversification. However, diversification is a key component to the Asset Allocation process. A formal plan is created for each client based on their individual goals, objectives and risk tolerance. State-of-the-art computer software and statistical data are used to help determine the specific asset mix. We then apply our proprietary screening process to the universe of investments to obtain suitable management teams for use within our client’s portfolio. There is no guarantee that asset allocation or diversification will enhance overall returns, outperform a non-diversified portfolio, nor ensure a profit or protect against a loss.
Investments (offered through LPL Financial)
- Bonds
- Common Stock
- Educational IRA
- Traditional IRA
- Roth IRA
- SEP IRA
- Simple IRA
- Brokerage Accounts
- Treasury Bills
- Government Securities
- Treasury Notes
- Variable Annuity
Insurance
- Disability Income Insurance
- Life Insurance
- Long Term Care
Financial Planning
- Retirement Plans
- Money Management
- 401 (k) Planning
- 403 (b) Planning
- College Plans
- Estate Plans
- Money Purchasing Plans
- Profit Sharing Plans
Financial Planning
We offer access to the following services for our clients:
Fee based Asset Management and Advice
- Individually Managed Accounts (through LPL Financial)
Asset Analysis
- Review and analyze existing assets
- Analyze and recommend appropriate asset allocation
- Profile risk tolerance
IRA/Pension Rollover
- Analyze alternatives available for retirement savings
- Analyze pension or IRA pay-out choices
- Analyze income needs and minimum distribution requirements
- Review beneficiary options
- Recommended course of action
- Explanation of potential penalty and tax liabilities
Insurance Coverage Analysis
- Review adequacy of various types of coverage
- Death estate analysis
- Long Term Health Care and Disability needs assessment
Employer/Employee Benefit Design and Implementation
- 401(k) Planning
- 403(b) Planning
- Money Purchase Pension Planning
- Profit Sharing
- Retirement Planning
Tax Efficient Education Planning
- 529 Education Plans
- Coverdell Education Savings Account (formerly the Education IRA)
Socially Responsible Investment Planning (factors to consider when investing in a socially responsible portfolio)
- Environment
- Product safety
- Weapons contracting
- Alcohol and tobacco
Estate Distribution
- Evaluate current estate
- Establish objectives
- Recommend alternatives