Individual Client Services

Long-term, practical financial guidance in a world with increasing change and uncertainty


Initial Process

  • Detailed and customized financial analysis, including current financial position, investments, retirement, education,  insurance, tax planning, estate planning, and other areas specific to you
  • Education on available options and alternatives
  • Recommendations designed to efficiently meet your personal goals
  • Strategy Implementation

Continuous Asset Planning

  • Life Phase or Goal-Specific Planning
    • Accumulation: Savings plan with respect to current & future taxes, investment vehicle selection, individual  investment selection, and active management through varying market cycles
    • Distribution: Managing the complex nuances of converting your assets to income, including distribution or  reinvestment decisions for dividends & capital gains, income distribution rate review, principal drawdown need &  impact, managing distributions through varying market cycles to maximize efficiency, and minimizing taxes to  extend the life of your capital

Additional Ongoing Services

  • Regular review meetings, at least annually & regular contact calls from us to you
  • Active risk-controlled investment management
  • Annual plan/projection updates to track your progress
  • Retirement Income Management with oversight and guidance related to social security, pensions, required      minimum distributions, rising medical costs, portfolio drawdown rate, and taxes
  • Regular updates and reviews of available options as changes occur in your life, the tax code, the investment or    insurance landscape, etc.
  • Coordination with tax, legal, or other professionals as needed
  • Monthly newsletters with insight from our team and details of any investment updates
  • Access to online statements, tax documents, and performance reports
  • Consultation and resources on a host of ancillary topics that may impact your finances and lifestyle