Preserving Today to Protect Tomorrow
We don’t merely respond to periods of life transition or current needs. We work proactively to develop solutions ahead of those events occurring.
Portfolio Management
As a fiduciary with a fee-only billing structure, we establish your portfolio and performance parameters based only on what is in your best interests. We understand that the financial needs of an individual in their fifties who is already retired will invariably differ from those of someone in their seventies who still works full-time. As such, we tailor each portfolio to suit the distinct needs of each client by utilizing individual stocks and bonds.
Our relationships are built on a deep understanding of your needs, market trends, transparent communication, and collaboration. To foster relationships with our clients, our holistic process is ongoing:
One of the firm’s Principals leads an in-depth discovery phase to better understand current needs and long-term goals.
We leverage our specialized knowledge and expertise to thoroughly vet available investment opportunities, conduct a risk assessment, and provide a personalized solution for you.
We consistently monitor the portfolio, track progress, and make adjustments, as needed, to ensure continuous alignment with evolving goals
Our Comprehensive Portfolio Management Strategy Considers:
Liquidity & Cash Flow Needs
Time Horizon
Tolerance for Volatility in Portfolio Value
Tax Consequences
Increased knowledge + Increased communication = Increased trust.
Financial Counseling
With our personalized investment philosophy, depth of expertise, and robust resources, we help business owners, executives, families, foundations, professionals, retirees, and trust recipients intentionally and confidently navigate the journey toward their financial goals.
Acting as the link between financial needs and the market, we continually monitor trends and developments to determine the most effective path forward to realize each client’s vision.
Our collaborative discussions often consider:
- Planning for Retirement
- Tax Efficiency
- Estate Planning
- Multi-Generational Wealth Strategies
- Stock Option / Low Basis / Concentrated Stock Holdings
- Education Planning
- Philanthropic Giving
Financial Counseling
With our personalized investment philosophy, depth of expertise, and robust resources, we help business owners, executives, families, foundations, professionals, retirees, and trust recipients intentionally and confidently navigate the journey toward their financial goals.
Acting as the link between financial needs and the market, we continually monitor trends and developments to determine the most effective path forward to realize each client’s vision.
Our collaborative discussions often consider:
- Planning for Retirement
- Tax Efficiency
- Estate Planning
- Multi-Generational Wealth Strategies
- Stock Option / Low Basis / Concentrated Stock Holdings
- Education Planning
- Philanthropic Giving
Asset Allocation
With each customized plan, we limit exposure to any single company. Statistics and our own experience show that owning 35-45 stocks keeps portfolios appropriately diversified without diluting the impact of our best investment ideas. The driving force of our asset allocation decisions is the length of time before funds need to be withdrawn from the portfolio.
We achieve robust returns for our clients over time by owning high-quality assets and keeping an eye on capital protection in addition to growth. In doing so, we utilize individual stocks and bonds to build client portfolios that may represent a single asset class or any combination of the following:
We manage equity holdings with a customized selection of individual securities diversified across economic sectors.
Sector allocation favors industries with the best potential to perform well under the current economic conditions and longer-term secular trends.
Stock selection is based on a combination of fundamental and valuation criteria, with revenue trends, earnings growth, dividend policy, market share, and competitive advantage among primary considerations.
Equity portfolios may favor growth, value, income, or a combination, based on your goals and tolerance for fluctuations in portfolio value.
We manage taxable and tax-free bond portfolios using high-grade securities with maturity ranges and security selection determined by client needs and market conditions.
We view preferred stocks as an attractive income-producing holding, which we incorporate into fixed income allocations where appropriate. We will also manage preferred stock and bond portfolios as a stand-alone investment strategy.
We manage cash balances as a component of overall asset allocation within portfolios.
Cash vehicles may include certificates of deposit (CDs), U.S. Treasuries, money market funds, and other highly liquid investments.
Cash management services may also be used to facilitate building reserves for retirement income, RMDs, taxes, estate planning and settlement, education, charitable giving, or other purposes.
We utilize real estate, foreign stocks, and other specialized asset types where appropriate.
These investments may include Exchange Traded Funds (ETFs), as well as Real Estate Investment Trusts (REITs) and various partnership structures.