Our Clients

We serve many different types of 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.

There are many different answers to the question, "What’s important about money to you?" Here is a brief description of some of our clients and what is important to them:

A couple planning for retirement.

These clients have a few years before retirement with a portfolio that is growth oriented. Since they will not need access to their capital immediately, more portfolio volatility is tolerable to them. 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 small business owner.

We are assisting these clients in the management of their personal assets, their company's assets and the assets of the company pension fund. Each portfolio requires individualized design and risk/reward trade-offs.

An executive or business owner in transition.

Executives and business owners need expert help during a time of substantial financial change. We counsel these clients on tax, employee benefit and investment and cash flow matters. For these clients, pre-transition planning is critical; so is investing properly for their lifestyle and follow-on career choices after the transition.

A retired couple.

These clients live largely from their investment capital. They need a portfolio that grows enough to protect them from the risk of inflation, but with downside risk strictly controlled. Estate planning issues often influence the structure of their accounts.

A recent widow.

These clients look to us for support in several ways. They usually have limited investment experience and are going through an emotionally challenging time. We may invest in a very low-risk "comfortable" portfolio until we have time to go through an education process and help increase their understanding of investing. As they become more knowledgeable and emotionally ready, we gradually change the structure of the portfolio to meet their long-term objectives.

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 they are 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.

The suddenly wealthy.

These clients are extremely busy and may be relatively young. Things are happening fast in their lives and they need a "personal CFO," or Chief Financial Officer. We manage their new-found wealth and determine how hard they must make their portfolio work. Depending upon their lifestyle and financial goals, these clients usually desire comprehensive financial counsel in order to be able to pursue other interests.