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| OUR SERVICES |
We offer a variety of financial
management services, which allow us to serve a diverse
group of clients. Our two core service offerings consist
of comprehensive financial planning and ongoing investment
management. Please contact
us for more information on any of the services we
provide.
Comprehensive
Financial Planning
Our financial planning services are the heart of our
service offering. We consult with you on a variety of
areas including:
• Retirement
Planning
• Education Planning
• Cash Flow Planning
•
Insurance Planning
• Tax Planning
• Estate Planning
Financial planning is an ongoing process. We begin the process with gathering information about the goals that are most important to you. We then gather all of your financial information in order to design your financial plan. We will go through the financial plan together to ensure that the strategy we have in place is in line with your expectations. The plan is not considered complete until you are completely satisfied with it in its entirety.
As a financial planning client, you have the option to have us implement your financial strategy. We will use the financial plan to design and implement an asset management strategy for you. If you become an investment management client, ongoing updates to your financial plan are included in the investment management fee. We also can offer periodic updates to the plan document on an hourly fee basis should you choose to manage your assets on your own.
Investment Management
In addition to financial plan design, we also offer full-service investment management. We utilize institutional-quality funds from Dimensional Fund Advisors, LLP (DFA) that are only offered by a select group of fee-only advisors across the country. We partner with two trusted operations management service teams for support in designing and implementing your investment management strategy.
Our investment philosophy is driven by decades of empirical research conducted by Nobel Laureates and other great minds in the world of finance. Research has shown that asset allocation accounts for over 90% of the returns of a given portfolio, while market timing and stock picking account for less than 9%. Further research has shown that the internal expenses of a mutual fund can impact performance significantly in the long run. We believe that using a diverse asset allocation using DFA’s passively-managed, low-cost, structured asset class mutual funds is the best way to manage long-term portfolio performance for a given level of risk. We tailor our investment strategy to the needs and risk profile of each client. We also believe that rebalancing a portfolio to maintain its target allocation enhances returns in the long run. We will monitor your asset allocation regularly and, should the portfolio deviate significantly from the original allocation, we automatically rebalance it for you. This instills a disciplined approach to investing, where you are consistently buying low and selling high as financial cycles change over time.
Your investment strategies are driven by your goals and your risk tolerance, not the stock or mutual fund flavor of the day. We implement and monitor your investments on a regular basis. We provide you with quarterly performance reports that break down your portfolio information in a variety of ways. We manage the entire investment management process for you, from opening accounts to rebalancing to handling distributions and contributions. This leaves you with more time to do the things you enjoy in life. Helping you enjoy your life is what fuels our passion for what we do.
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