Planning

Our team of advisors, which includes three CFP® professionals, can design a personalized financial plan for you and your family. This collaborative process starts with a conversation and learning what is important to you. We will work with you to implement the steps toward your goals and retirement planning. With a clear plan in place, we are there to meet regularly, adjust accordingly and monitor every step of the way.

Below are some examples of complex financial planning strategies:

  • Facilitating Financial Freedom (Retirement Planning)
  • Goal Planning (Home Purchase, College Funding)
  • Estate Planning Techniques
  • Business Planning Strategies
  • Risk Management Strategies
  • Gifting Strategies
  • Divorce Planning

Portfolios

The key to investing is taking it at a pace that's right for you and staying focused on your long-term goals. First, we'll help you understand investment fundamentals and then prioritize your goals. Next, we will asses your risk tolerance and tax situation. Finally, our investment professionals, including our in-house CFA, will present a portfolio proposal that fits your needs.

We offer a full range of investment management products and strategies:

  • Custom Model Portfolios
  • Discretionary Client Portfolio Management
  • Stocks, Bonds, Mutual Funds
  • Indexed Funds, ETFs (Exchange Traded Funds)
  • Tax-advantaged portfolios
  • Strategies for Excess Cash Reserves
  • Structured Notes
  • Sustainable Investing: ESG (Environmental, Social, Governance) and SRI (Socially Responsible Investing)
  • Alternatives and Real Assets (Private Equity, Hedge Funds, REITs, Commodities, etc.)
  • Hedging Strategies
  • Variable Annuities

Protection

The uncertainties of life are wide ranging, and many of them can threaten the financial security of you and your family. Money management is about more than just accumulating and investing your assets - you also have to protect those assets.

We offer a variety of risk management and asset protection strategies:

  • Lifetime Income Strategies
  • Fixed Annuities
  • Downside Protection Annuities
  • Term and Permanent Life Insurance
  • Business Owner Protection Strategies
  • Short-term and Long-term Disability Insurance
  • Long Term Care

AAA - Our Investment Philosophy

  • ALPHA – Our mission as investment managers is to maximize value for our shareholders. One of the ways to quantify that value-add is through Alpha. Alpha is additional returns, adjusted for risk, when compared to a benchmark or benchmarks. We seek to generate Alpha, net of our management cost, so you can profit from our advice.
  • ACTIVE – We believe in active management. There has been an ongoing controversy on the case of active vs. passive for years now. While we may use a passive investment to represent a specific asset class occasionally, we still believe that diligent research and a proactive approach will yield better returns – Alpha.
  • ALLOCATION – Asset allocation is essentially diversification. Spreading risk/reward into different asset classes that perform in varying market environments. We’re mostly strategic (long-term) with some tactical (short-term) flair.

Note: There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.