Worthwhile goals take time and planning to reach. To bring my clients' long-term goals closer, I help them analyze their current financial situation and create a consolidated, cohesive financial strategy. Over time, I work with them to implement strategies to take care of their investment, income and asset protection, will and estate planning, banking, and borrowing needs.

Taking a needs-based approach to creating your financial roadmap ensures that the goals that are important to you are always being considered first. After identifying what is truly important to you and your family, we can create a total financial solution that is comprehensive in scope and completely personalized in nature. This includes

• Investment Portfolios
  
• Will and Estate Planning
• Asset Protection
• Financial Planning
• Banking and Borrowing
• Discretionary Portfolio Management through the Managed Portfolio Program
  

The Managed Portfolio Program offers all the benefits of professional portfolio management, plus something that’s really quite rare: the opportunity to work one-on-one with your own personal Portfolio Manager. The Managed Portfolio Program is a new and simplified investment management option that enables clients to delegate the task of making the everyday decisions that help maintain a healthy and prudent investment portfolio. While this program frees clients from having to give their consent for every recommendation that we may have for their accounts, clients will still maintain control over their overall investment strategy.

Flexibility & Freedom

As always, we will build a portfolio tailored to each client’s unique needs and circumstances. In the Managed Portfolio Program, clients will receive a detailed Investment Policy Statement that will help ensure that their portfolio continues to accurately reflect their changing needs over time. Clients will continue to receive regular communication from our office both through phone calls and our newsletters throughout the year and are still encouraged to come in annually for a big picture review meeting.

In addition to the benefit of not having to make the day-to-day decisions in client portfolios, there are several other benefits to the Managed Portfolio Program. Within this new program, clients do not pay commission on the trades that we would make on their behalf, instead all costs and expenses are covered by one transparent, all-inclusive fee. This fee is not tied to the amount of trading activity that occurs in the accounts, rather on the overall value of the portfolio.

This different ideology supports the fact that we will always act in the best interests of our clients when it comes to trading in the accounts, not to generate commissions but because we believe that it is the prudent thing to do. In addition, the fee is fully tax-deductible in non-registered accounts and will waive all annual administration fees that are charged to registered plans. Perhaps the greatest benefit to this new approach is that it will enable us to be more nimble and effective at entering and exiting the market, without the restrictions of having commission costs to consider for each recommendation we may have.

It allows us to react quickly to rapidly changing market conditions on our clients’ behalf. Clients who are interested in the Managed Portfolio Program must have $250,000 in household assets in order to qualify. This minimum asset level is put in place in order to ensure that portfolios will be sufficiently diversified and that risk exposure remains low.

Life Decisions and Financial Considerations

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