Wealth & Investment Strategies

Integrated with our services, we work with you to identify and understand your retirement needs and goals, and to assist you in planning and implementing ways to reach those goals. You work hard to accumulate your wealth. We will work with you to understand your financial and emotional needs to assist you in planning your estate, to maximize and preserve your wealth. Estate and gift tax laws are extremely complicated. Effective estate planning includes such complicated topics as designing your will, death tax planning, estate liquidity, lifetime gifts, and income tax planning for the estate and for your family.

Through our registered investment advisory firm, we help you maximize your wealth creation with complete investment planning including design, management, and performance monitoring of your investments. Creating, maintaining, and protecting your wealth involves many issues. We can assist you with insurance and succession planning to help you protect your wealth and pass it on according to your goals and wishes.

We are also specialists at implementation and making sure that all of our recommendations are put into action. Our goal is to work with you to identify your overall financial needs and to prepare a range of services to help you achieve your goals.

We attempt to arrange the value of our services in such a way as to allow you to seek timely advice and offer you complete access to the accumulated wisdom of our entire group of professionals throughout the year, so as to help you achieve all of your financial goals.

Regarding investments, we give guidance on, but do not necessarily recommend, all types of investment vehicles. We primarily give advice on mutual funds. We do not give advice on individual stocks, collectibles, or commodities. We specialize in assisting our customers in determining their goals, dreams and objectives, and developing a comprehensive plan of action to achieve them over an appropriate time horizon.

We further design a portfolio allocation which provides a rate of return consistent with your goals and risk tolerance. We then are available to recommend and implement the purchase of mutual funds intended to fit your allocation.

We also participate in monitoring performance of your portfolio relative to various benchmarks including inflation, the portfolio’s target, etc. Our investment strategy focuses on the long-term investment rather than short-term and insists on proper identification of your time horizon. Our efforts are principally focused on advice and portfolio design intended to reach your defined goals and objectives.

We are available to monitor performance of the portfolio to that end, thus holding its design and performance accountable. 

Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.

Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value, barring default or an early call at the issuer’s option. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices rise.

Income from municipal bonds is generally not subject to federal income taxation; however, it may be subject to state and local taxes and, for certain investors, to the alternative minimum tax. Income from taxable municipal bonds is subject to federal income taxation, and it may be subject to state and local taxes.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, typically offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.