Investment Management

WHAT INVESTMENTS DO WE OFFER?

As a core component of our wealth management model, we provide a full range of investment services for a variety of clientele.  We have more than a decade's worth of experience establishing, managing, and advising on a wide range of investment options:

• Retirement Plans:
  • Group:  401(k), 403(b), Safe Harbor Plan, 457 Thrift Savings Plan, Pension
  • Self-Employed:  Solo 401(k), SEP IRA, SIMPLE IRA
     
• Individual Retirement Accounts (IRA's):
  • Roth, Traditional, Rollover, Spousal, Beneficiary
     
• Non-Qualified Investments:
  • Taxable accounts, Trust accounts, Company Stock (ESPP, ESOP, RSU, DSU, ISO, NQSO)
     
• Education Accounts:
  • 529 Plan, UTMA/UGMA, Coverdell IRA
     
• Annuities
  • Fixed, Variable, Indexed

WHO ARE OUR INVESTORS?

Whether you're a young professional in need of an investment plan, or you're an established investor with an existing portfolio, we'll have an in-depth discussion to determine your investment objectives and concerns.  During that conversation, we'll be able to identify what type of investor you are:

• Pre-retiree: These individuals are in the accumulation phase of their careers, heavily focused on investing into a growth-oriented portfolio.  Their goals may include saving for a home, their children's education, and eventually for retirement itself.  Balancing these priorities depends upon each client's ability and willingness to save.
   
• Retiree: At the point that a pre-retiree becomes financially self-sufficient, their needs often require an income-oriented strategy.  Such an investor is focused on preserving their accumulated wealth, all while generating the necessary income to supplement their other retirement income sources (social security, pension, rental income, part-time employment, etc.).  During the initial stages of retirement, their portfolio is primarily used for lifestyle expenditures, whereas in the latter stages, healthcare expenses often consume a greater portion of their assets.
   
• Legacy: As retirees progress further into retirement, they may have the desire to leave a portion of their assets to their family or a charity.  Assuming they have sufficient resources to set these funds aside, we help them develop investment strategies that seek to grow beyond their lifetime with a reduced level of estate tax exposure.

WHAT IS OUR INVESTMENT PROCESS?

Given the unique and varying investment objectives of our clients, we create customized investment strategies for each individual.  However, we hold true to a common investment theme for all of our client accounts:

Step 1: Rather than using products that lack transparency, we rely on a deep bench of institutional research to develop a core portfolio of index-based investments.  This strategy seeks to provide for broad-market exposure, without adding unnecessary risk or excess volatility.  Moreover, index-based investments are aligned with our management philosophy, given their cost-effectiveness and tax-efficiency.

Step 2: As a compliment to this index-based core, we often incorporate a proportionate allocation of individual equities and fixed income securities.  This satellite holding strives to enhance our overall level of potential return, in addition to the baseline performance of our index portfolio.

Step 3: Once a portfolio is established, we manage the account on an ongoing basis to ensure that it is properly allocated relative to the prevailing economic environment.  During normal market conditions, we monitor its progress and maintain our initial target allocation.  In the event that we perceive a shift in high-level, macroeconomic conditions, we will take appropriate steps to adjust the portfolio.  At the same time, we consistently evaluate periodic microeconomic opportunities, but we avoid chasing fleeting trends that would otherwise lead us astray from our primary investment strategy.  Regardless of why a portfolio adjustment is made, we base our decisions upon facts, never emotion.  We adhere to a strict investment policy and focus heavily on the fundamentals of the global economy, using that information as the basis of our decision-making process.

No matter the investment objective, we create portfolios that are thematically consistent, yet tailored to the client's specific risk tolerance.  We also design our portfolios to be adaptable, evolving as our clients progress through their lives.  This, coupled with our partnership with LPL Financial, LLC. and our asset-based fee model, gives our clients the assurance they need knowing that their assets are managed with their best interests in mind.

Note: No investment strategy assures success or protects against loss. 

Stock investing involves risk, including loss of principal. 

Bonds are subject to market and interest rate risk if sold prior to maturity.  Bond values will decline as interest rates rise and bonds are subject to availability and change in price.