Individuals

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Your prime wealth-building years are a time for firming up and in some cases resetting long-range goals such as putting your kids through school or buying a second home. You’ll also want to look ahead to retirement and begin to build a fiscally sound foundation to ensure that your assets are preserved for your heirs.

At this stage of life, effective financial planning is paramount: uncovering exactly where you are, where you want to be and what steps are needed to get there—providing a sense of clarity about your finances, investments and financial future.

 

How we work with you

We believe that sound financial advice starts with a comprehensive plan that’s as unique as you are. This financial plan acts as a blueprint: the foundation and framework for financial decisions and yet flexible enough to evolve with changing personal needs and market conditions. We accomplish this through the following process:

DISCOVERY
Before we get down to crunching numbers, we will talk about the things that are most important to you - family, community, pastimes, church, etc. We will ask a lot of questions about what you’re really thinking, feeling, worried about; Together we’ll figure out where you are now.

PLANNING
Based on what we discuss in the discovery phase, we will assess your personal situation, gauge where you are now relative to your life goals and priorities, and consider what gaps exist.

STRATEGIES
A benefit of holistic planning is that it provides a comprehensive view of all areas of your financial life. During this phase, we will recommend specific strategies to help match each of your goals. This is when implementation of your customized plan occurs.

MONITORING
Just when you make plans life happens. Events large and small can change everything. The monitoring stage incorporates tracking systems to keep your plan on target. We can help you plan for the unexpected, anticipate change and adjust your plans as necessary. We are committed to walking beside you through the many transitions life can bring.

 

Investment Strategy and Implementation

• Custom Asset Allocation
• Ongoing Manager Research and Due Diligence
• Manager Selection and Implementation
• Ongoing Monitoring and Tactical Rebalancing
• Tax Harvesting
• Discretionary Portfolio Management
• Ongoing Risk and Liquidity Management
• Cash Management and Securities-Based Lending

Research

• Strategic alliances with Third-Party Research Providers
• Timely market commentaries and insights
• Conference Calls, Webinars, and Seminars

Reporting

• Custom Performance and Benchmarking Reports
• Consolidated Reporting
• Online Account Access

Account Management

• Coordination with outside advisors (trust services, tax, legal, and real estate)
• Regular client visits and communications
• Custody