How we help build, design and protect

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Our Process:

Process Chart

Comprehensive Financial Planning, including:

  • 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 believe:

  • 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.
  • In focusing our specialization on investment consulting* and coordinating the services of other professional advisors.

Investment Philosophy*:

  • 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*.

*Investment Advisory Consulting, including:

  • 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.