We create customized portfolios for individual investors and manage the money on their behalf on an ongoing basis. We also assist clients with other personal financial decisions (e.g. Life Insurance, Will / Trust) in concert with other professionals, when the core investments are managed by us. We will use our network of allied professionals (Accountants, Attorneys) as necessary to make the execution process seamless and cost effective for our clients.
Investment Plan Only
We analyze and create a financial plan with recommendations on a one time basis when requested by clients. This service may be applicable to clients when they do not have an ongoing need for investment management services or when they need one-time, critical advice on their existing portfolios.
Small Business Financial Services & Customized Training / Seminars
We can assist a small business in evaluating and implementing a retirement plan such as a 401(k) plan, 401(k) plus Profit sharing plan or a Cash value (pension) plan. We also have the ability to set up workshops/training programs on a customized basis on particular financial topics of interest.
Access to Our Services
- One on one meetings by appointment
- Group presentations/seminars
Please email us from the "Contact Us" section of this website if you are interested
Our process consists of 4 major steps.
- Step 1:
During this initial no-obligation meeting, we present our services and capabilities while gauging your needs. We will let you know if you can benefit from our services while educating you regarding investing fundamentals and financial planning issues. If you decide to use our services, a welcome package is mailed out along with standard disclosures and a request for information (Investment questionnaire and Personal Information).
- Step 2:
We discuss your completed Investment questionnaire to evaluate the level of risk you are willing to assume in your portfolio. An Investment Policy Statement (IPS) outlining your long term strategic portfolio allocation, and an investment management contract are generated as a result of this meeting. We also generate the necessary account creation, asset transfer and account management paperwork.
- Step 3:
If necessary, we discuss any questions that arise after you review the IPS. We may make further modifications to your risk profile. This can be an iterative process.
- Step 4:
Paperwork sign-off and account transfer: We work with you to transfer assets to your new custodial accounts (TD Ameritrade Institutional) that will be managed by us. In parallel, you sign off on the IPS and the investment management contract. Based on your preference for a start date (as specified in the contract), we notify you and begin managing your investments.
At the end of each quarter, we publish performance reports for the investments that we managed on your behalf.