Customized Portfolios, Quarterly Check-Ins,
and Trusted Partners like Fidelity

Financial asset management is a hands-on sport. We do not set an asset allocation and then forget it.

Each client has their own unique risk profile. We match that risk tolerance to the assets we invest in and then monitor them Quarterly. Fund Managers change periodically and as well as clients own risk tolerance and time horizon.

All assets are held at Fidelity investments. Through this well-known financial institution, we have access to mutual funds and exchange traded funds. In some cases, we will add individual stocks or bonds to compliment the overall portfolio.

In addition, we have access to the highest paying CD’s available offered by banks.

Permanent life insurance can also add safety and stability as a non-correlated asset to a stock portfolio in a long-term plan.

CASH FLOW PLANNING

All planning starts with goals. Once goals are established we can link the current sacrifice of cash flow to achieve that goal.  In boating terms “a ship without a rudder will go wherever the current and wind takes them”

TAX PLANNING

Its not what you earn, it is what you keep. Leveraging the tax laws to our favor to minimize taxes is a very big part of your financial plan and is crucial.

INVESTMENT PLANNING

Invest in assets that are accessible during the turbulent times. Putting too much resources into a retirement plan is a common inefficiency that can be improved upon. This does not mean leaving funds in a bank earning low interest.