What We Do

Services

  1. INVESTMENT MANAGEMENT - Our investment philosophy is to maximize total return within the individual investor's risk tolerance and time horizon. We make recommendations to achieve the highest possible return within your stated risk tolerance, thus allowing you to maintain your sense of comfort.

    We help you to identify your personal investment criteria including specific needs, financial goals, and risk tolerance as we design your personal portfolio. The asset allocation mix is implemented using no-load mutual funds, privately managed separate accounts, bonds of various maturities, and individual stocks. Mutual funds and privately managed separate accounts provide investors with timing, market experience, asset management resources, and the ability to diversify investments among many corporations worldwide.

    Clients' portfolios are continually monitored to ensure that assets remain invested in a manner consistent with your criteria; all of our clients receive transaction confirmations, quarterly statements, portfolio updates and year-end tax reports.
  1. FINANCIAL PLANNING - We believe in a comprehensive approach when we advise our clients; it is important to identify all of the financial issues present and look at the entire financial picture before making a recommendation. After we provide a client with a recommendation, we offer periodic reviews and updates, at no additional charge, on an as needed basis.  Hourly fees are charged for financial planning services and as a percentage of the investments under management.
  1. TAX PLANNING AND PREPARATION - As an added benefit to our asset management and financial planning clients, we offer federal and state income tax preparation and planning services.
  1. STOCK OPTIONS PLANNING - Stock options are an important and frequently misunderstood segment of investment.  We will help you to view stock options as manageable assets, evaluate the exercise decision and holding periods for options and provide the opportunities to exercise options in order to create the highest return possible.

How We Do It

Regardless of the types of service the client requires, the process always begins with complete and accurate collection and analysis of the facts applicable to the client’s particular situation.  Subsequently, if a single specific financial problem is being addressed, written recommendations, in plain English, follow soon thereafter.  If a comprehensive financial plan is warranted, a more extensive integrated written report, also in plain English, is prepared and reviewed with the client and assistance in the implementation of any recommended actions is provided.

 Business meeting