You should know the basics of wealth management before you start making a plan.

Once we fully understand your specific situation, we begin to build a plan to suit your needs. Asset types fall under five broad categories:​​​
Initially, we take a risk assessment of each potential client.  Next, we coordinate asset allocation based around the desired risk level.
On the investment side, we use an array of private money managers by using traditional and forward-looking due diligence.  All of these managers use tactical investing to potentially reduce any significant losses.  These managers use, in part, aggregated portfolios along with non-correlation and low drawdown risk.  Tactical investing is an active approach to market trends by maintaining their agility to make changes according to market volatility.
Regarding the principal protection allocation, we use fixed income accounts with market indexes that offer credited interest according to the index formulas, but with no losses should the market turn downward.

​Terminology

Wealth management

Does informed investment advice still mean something?  We think it does. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices.

​ESTATE PRESERVATION

Estate planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs, a charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.

retirement income planning

​After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you can’t outlive—one that maximizes the value of your assets to protect your family, and one that preserves your legacy for your beneficiaries. We help people with unique situations; we find financial strategies that fit their goals.

social security strategies

​With our in-depth knowledge of Social Security, we can help you decide when is the right time to start drawing your benefits. Our goal is to assist you in maximizing your Social Security benefits, coordinate them with your spouse’s benefits, and help you fill the gap between your benefits and your overall retirement-income needs.

long-term care

​We can help you navigate your questions when it comes to selecting the right long-term care plan, albeit traditional or asset-based, for your needs.  Or, are you having to figure out how to pay for the unexpected expense of care for yourself or a loved one?  Even if it’s “too late” for traditional insurance solutions, we help you understand what Medicaid options are available to preserve what you can. 

¹ Markowitz, 1952; Sharpe, 1964; Brinson, Hood & Beebower, 1986; Brinson, Singer & Beebower, 1991; Ibbotson & Kaplan, 2000.

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