• Tax Planning
  
• Retirement Planning*
  
• Education Funding Analysis*
  
• Business Planning Solutions
  
• Succession Planning
  
• Pensions and Profit-sharing Plans*
  
• 401(k) Consulting*
  
• Insurance Needs Analysis
  
• Integration of Business and Personal Financial Plans*

• We are here to serve our clients and their interests.
  
• In operating in an unbiased, conflict-free environment.
  
• In being accountable for everything we do.
  
• In a team-oriented approach.
  
• With focusing  on investment consulting* and coordinating the services of other professional advisors.

• Prudent academic research is a core fundamental tool.
  
• Asset allocation is a major determinant of portfolio volatility over time.
  
• We focus on areas we can control (i.e. taxes and fees).
  
• Markets and specific asset classes are cyclical.
  
• Meeting your financial goals are the result of a long-term plan and having the discipline to follow it.
  
• Every client situation is unique and warrants a personalized investment strategy*.
  

• Definition of objectives
  
• Drafting of investment guidelines
  
• Asset/Style allocation recommendations
  
• Tax-aware investment strategies
  
• Ongoing performance monitoring
  
• Ongoing review and analysis of objectives and guidelines

There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.

Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss. With any investment vehicle, past performance is not a guarantee of future results.