Services
What we do
Asset management
We manage your custodial accounts and provide continuous and ongoing supervision of them. Our services provide investment opportunities among stocks, bonds, mutual funds, institutional money managers, exchange-traded funds, real estate investment trusts, options, and additional securities.
Where you grant us written discretionary authority, we may determine the securities to be bought or sold and the amounts, without obtaining your consent for each transaction. If you do not grant discretion, we will contact you for affirmation before implementing changes. You may place reasonable restrictions on the types of investments held in your account.
Financial planning and consulting
We help you review your financial goals, tax planning strategies, asset allocation, risk management, and retirement planning, along with budgeting, education planning, cash flow planning, charitable planning, lines of credit analysis, insurance analysis, business financial planning, mortgage and debt analysis, and real estate analysis. We summarize our work in a written plan. Implementation of any recommendation is entirely at your discretion.
Retirement plan consulting
We advise plan sponsors of employer-sponsored retirement plans, serving as a 3(21) and/or 3(38) fiduciary where engaged to do so. This can include the selection, de-selection, and replacement of individual investment options against agreed investment criteria. The final decision on which funds to select rests with the plan sponsor.
How we analyze investments
We use fundamental analysis, technical analysis, and modern portfolio theory, and pursue long-term and income strategies. Each carries risk. Fundamental analysis does not attempt to anticipate market movements. Technical analysis may fail to predict future trends. Modern portfolio theory cannot eliminate the risk of loss of principal.
Investing involves risk, including the possible loss of principal. We manage your account consistently with your risk tolerance and suitability profile, but we cannot guarantee our efforts will be successful, and no level of performance is guaranteed.
What we do not do
- We do not participate in, recommend, or offer wrap fee programs.
- We do not charge performance-based fees.
- We do not recommend or select other investment advisers for our clients.
- We do not vote proxies; you are responsible for voting proxies in your account.
- We do not take physical custody of client funds.
- We are not a broker-dealer, and we do not pay referral fees to third-party solicitors.
Who we serve
Individuals, High-net-worth individuals, Other investment advisers. Our minimum account size for opening an account is $100,000.