A World of Financial Services

Just as you should begin your financial journey with a vision, you also need to carry out that vision using the best tools and resources possible. To implement your financial strategy, we can provide you with access to an extensive range of financial services.

Through our combined resources, we are able to address your personal needs and present you with specific options that are appropriate for your situation. Whether you are an individual investor, employer, or trustee, we invite you to review the wide array and quality of our products and services.

  • Asset Management

    For many clients, our fee-based asset management services provide the ideal opportunity to invest in the markets with the added value of professional expertise. As an asset management client, you benefit from professional management and supervision, which is backed by experience and research. Our services for asset management portfolios include assessing the client’s financial situation, including objectives, time horizon and risk tolerance; determining an appropriate asset allocation mix; selecting money managers; actively managing the client’s portfolio; and providing the client with comprehensive, easy-to-read reports to monitor portfolio progress.



    Our asset management process is interactive. You have ample opportunity to provide input so we can manage your investments according to your needs and expectations.

  • Business Consulting

    We provide business consulting services that can help you navigate each phase of the business cycle, from start-up, through growth, and into maturity. Directly or by professional referrals, we offer consulting services on both strategic and tactical levels. For example, we can help you develop your business plan, look at new areas of business growth, and consider future strategic issues, including retention of key employees and business succession. We can also provide an objective review of financial statements and provide recommendations. The bottom line: You benefit from an objective viewpoint on the financial and structural health of your business.

  • Employee Benefit Consulting

    Retaining employees is one of the top concerns of business owners and executives. However, employee benefits can be a very costly retention tool. We can direct businesses in the process of evaluating employee benefit needs and designing a cost-effective package, taking into account employer objectives, government regulations, and employee expectations. Often, the direction we provide is a confident referral to a trusted employee benefit plan specialist. We also stand ready to provide individual or group employee education regarding qualified plan investing and other financial matters — which in itself is an employee benefit.

  • Estate Planning

    Whether it’s your estate or the estate of a loved one, it takes planning to reduce estate taxes, probate costs, and various administrative hurdles — and to increase the transfer of wealth to heirs or to charity. Because of complex laws and tax codes, estate planning can make a dramatic impact on your financial picture. We can help you consider all your options, which may include revocable living trusts, credit shelter trusts, wealth replacement trusts, and charitable remainder trusts, among others. We work in partnership with your current advisors, accountants or attorneys, or provide professional referrals, if needed. Above all, we can help you develop an effective estate plan according to your goals.

  • Financial Planning

    As the world becomes more complex, there’s an increasing need for financial planning. Our financial planning services produce a personally tailored strategy for achieving your financial goals. This strategy — which may be comprehensive or may address one or more particular needs — can help you take better control of your financial assets and make more intelligent decisions regarding retirement planning, education, financing, investment planning, asset allocation, risk management, income tax analysis, estate planning, and other important issues. Through our financial planning process, we can clarify your present situation by gathering appropriate facts, determining your financial needs and goals, and identifying possible financial barriers to achieving your goals. After presenting your plan, we can assist in its implementation and periodically review and revise your plan as your situation changes.

  • Insurance

    Used wisely, insurance can be a powerful tool for replacing income, creating assets, or protecting assets you have already earned. We can help you make the most of your insurance investment, identifying opportunities to lower your insurance costs and leverage your existing policies. We work closely with independent insurance agents and can direct business for a range of insurance products and services, including life, disability, medical, and long-term care insurance. And most importantly, because we are independent, you know we are working for you, not an insurance company. Our goal is to find the best policies for the best prices from the best people.

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