We serve many different clients, each with specific long-term goals and issues. Our depth of expertise and breadth of experience assures we can competently and comprehensively plan for your future. To learn more about our specific planning services please refer to the menu on the left under "What We Do." The following are some brief examples of clients we work with:

Profiles of Clients Like You

A retired couple. This client is living largely from their investment capital. They need a portfolio that grows enough to protect them from the risk of inflation, but with down-side risk strictly controlled. Estate planning issues often influence the structure of their accounts.

A couple planning for retirement. This client has a few years before retirement. Their portfolio is more growth oriented. Since they will not need access to their capital now, more portfolio volatility is tolerable. We also help them choose from among the investment options of their employer retirement plan. As they approach retirement, key issues start to change. At this time, they need to take another look at their retirement and estate plans.

A recent widow. These clients look to us for support in several ways. This client usually has limited investment experience and is going through an emotionally challenging time. We may invest in a very low-risk "comfortable" portfolio until we had time to go through an educational process about investing. As she becomes more knowledgeable and emotionally ready, we gradually change the structure of the portfolio to meet her long-term objectives.

A small business owner. We are assisting this client in the management of his or her personal assets, company's assets and the assets of the company pension fund. Each portfolio requires individualized design and risk/reward tradeoffs.

The suddenly wealthy. This client is extremely busy and may be relatively young. Things are happening fast in their life and they need a "personal CFO" to manage their new-found wealth and determine how hard they must make their portfolio work. Depending upon their lifestyle and financial goals, this client usually desires comprehensive financial counsel in order to be able to pursue other interests.

Trustee of a family trust. Recent changes in federal fiduciary statutes require trustees to conduct investment affairs with substantial expertise. A client comes to us because he or she is the trustee for a recently deceased relative or friend, administering significant assets on behalf of multiple beneficiaries. We create an investment policy to protect the trustee from investment liability and manage the trust funds based on an assessment of the needs of all beneficiaries.