Services

Wealth Management

DEFINE WHAT FINANCIAL INDEPENDENCE MEANS TO YOU

What does financial independence mean to you? A comfortable retirement? Starting your own business? Leaving a legacy? Having the means to travel and explore? Whatever your goals, we want to help you reach them.

A solid investment strategy can help you pursue financial independence. But to be truly effective, any investment strategy must be customized to your unique situation. We have a variety of professionally managed investment platforms to build a strategy designed just for you, keeping your specific financial situation and goals in mind. You define financial independence. We want to help you make it happen.

THE POWER OF ADVICE

We’re committed to your success and finding the right strategy for you. We pair our advice and knowledge with the dynamic, comprehensive offerings LPL’s Advisory Services brings to the table to help us craft this strategy. Through these platforms we can offer you access to a wide variety of investments and money managers to increase your portfolio’s diversification. In addition, in some cases the investments you already own can be combined with those we select to complete your customized portfolio and add to the potential success of your plan. But your unique circumstances and personal objectives dictate the method of investing, as well as the types of investments we choose.

Fee-based guidance

By virtue of using one or more of our professional money managers or platforms, we can work under a fee-based model. Fee-based asset management allows us to share a common goal with you: to grow the value of your assets. A holistic approach to investing, fee-based asset management ties our compensation directly to the performance of your account. Instead of commissions, we earn an annual fee based on the market value of the account. This allows us to concentrate on what matters most—building an investment portfolio that seeks to address your specific needs.

Ongoing Advice and Oversight

As a fiduciary under the Investment Advisers Act of 1940, we’re obligated to act in your best interest and provide you with full and fair disclosure of material conflicts of interest. In all of our Advisory accounts we monitor your investment portfolio on an ongoing basis and continue to offer you advice as needed. Most of these services are provided on a discretionary basis, which means you don’t need to direct us to make trades, rebalance your portfolio, or make other investment decisions for your account. This discretionary trading capability gives us the ability to react to changes in economic conditions on your behalf.

THE VALUE OF ASSET ALLOCATION

Throughout all cycles of the financial markets, an asset allocation strategy that is well devised and executed—and tailored to your investment objective—is central to helping you pursue your long-term goals. Asset allocation is at the core of portfolio management. This involves spreading your investments across several asset classes—such as stocks, bonds, and cash equivalents—to reflect your particular goals. Asset allocation allows your portfolio to participate in a variety of market sectors while potentially minimizing overall volatility. Keep in mind that asset allocation doesn’t ensure a profit or protect against a loss.

The goal of a custom-designed portfolio is to potentially achieve an optimal blend of investments tailored to your personal goals, time horizon, and risk profile. This process encompasses setting investment objectives, establishing weightings for various asset classes, choosing specific investments, and making adjustments as circumstances dictate.

IMPLEMENT YOUR PORTFOLIO

Once we’re ready to bring your portfolio to life, we’ll discuss your expectations and review what we want to accomplish through your customized strategy.

To get your portfolio up and running, we’ll:

Transition your cash or existing securities
Determine the type of account ownership and beneficiaries
Discuss the source of funds
Complete and sign all paperwork

REVIEW AND MANAGE YOUR PORTFOLIO

Once your investments are in place, we’ll continue to review and manage your portfolio on an ongoing basis. Portfolio rebalancing is a critical component of the strategic asset allocation process and essential to the long-term success of your portfolio. Rebalancing is designed to ensure that the allocation of your assets remains in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that aren’t reviewed on a regular basis tend to drift from their target allocations. A portfolio that isn’t regularly rebalanced could assume a risk/reward profile that isn’t consistent with your investment objectives. Your portfolio will be reviewed on a periodic basis and adjusted when needed to help maintain the optimal allocation of your investments.

The ongoing management of your portfolio will include:

Regular meetings and discussions so you can feel comfortable with your continued strategy
Active, ongoing portfolio reviews
Periodic reexamination of your investment strategy to make sure it continues to stay aligned with your situation and objectives
Rebalancing decisions
Year-end statements, including annual advisory account performance

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

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