Our Services

Dynamic Allocation

We emphasize continuous and regular account supervision based on our firm's Dynamic Allocation Strategy. The Dynamic Allocation Strategy is a tactical asset management strategy primarily using individual stocks, bonds & ETFs. There are three Dynamic Allocation Strategy portfolios: Moderately Conservative, Moderate, and Moderately Aggressive. A Risk Tolerance Questionnaire is completed to determine which portfolio the clients will own. When appropriate, the Adviser also incorporates various options strategies and uses closed end funds for income. A combination of technical analysis and fundamental analysis will be used in the buy and sell decisions. The objective in this strategy is to protect wealth and grow wealth as opposed to buying and holding investments through times of severe market depreciation.

The client's individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities. Each portfolio will be initially designed to meet a particular investment goal, which we determine to be suitable to the client's circumstances. Once the appropriate portfolio has been determined, we review the portfolio at least quarterly and if necessary, rebalance the portfolio based upon the client's individual needs, stated goals and objectives. Each client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio.

Financial Planning and Consulting

Financial Planning and Consulting Services will be offered to all clients. For Financial Planning, we may investigate all nine of the services defined below to the extent applicable to the client and their respective needs, in order to create a comprehensive plan. Financial Consulting will be one or more of the services below or any other ad-hoc request made by client, e.g. in-person meetings or conference calls to discuss investment advice, meetings with other advisers, etc. These services may be engaged for a fixed fee or on an hourly basis, determined on a case-by-case basis as needs dictate. We and the client will work together to comply with Rule 130.852 and give the client investment advisory services at fair and reasonable rates that are determined on an equitable basis adequately disclosed to the client in writing.

Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-advisory related services. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. Implementation of the recommendations will be at the discretion of the client. In general, Financial Planning and Consulting Services may include some or all of the following:

1. Cash Flow and Debt Management – This involves advice with respect to cash accounts, financial obligations, and cash management.
2. Risk Management and Insurance Planning – This includes risk management associated with advisory recommendations based on the combination of insurance types that best meet a client's specific needs, e.g. life, health, disability, and long-term care, and others as appropriate.
3. Investment Planning – This involves advice with respect to asset selection and allocation, as well as investment income accumulation techniques. Evaluations are made of existing and, when applicable, potential investments in terms of their economic and tax characteristics as well as their suitability for meeting client's objectives. Tax consequences and their implications are identified and evaluated in general terms.
4. Retirement Planning – This involves advice with respect to alternatives and techniques for accumulating wealth for retirement income or advice relative to appropriate distributions of assets following retirement. Tax consequences and their implications are identified and evaluated in general terms.
5. College Planning – This includes alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education experience. Tax consequences and their implications are identified and evaluated in general terms.
6. Estate Planning – This service generally involves advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. It involves a discussion of gifts, trusts, etc. and the disposition of business interests. Tax consequences and their implications are identified and evaluated. At the request of the Client, Adviser will engage the client's chosen personal estate attorney or planner, with regard to advising the wealth management of the estate planning.
7. Tax Planning – Tax planning is referred to the client's chosen personal tax advisor. Adviser may offer advice as to how tax laws may affect various financial decisions, e.g. acquisitions, pension strategy, investing in new opportunities or consolidation of existing investments, and individual taxation issues, among others.
8. Business Succession Planning – This includes alternatives and strategies with respect to continuity or disposition of the business upon the business owners' retirement, death, disability, or decision to sell. Tax consequences and their implications are identified and evaluated.
9. Consolidation of Financial Situation – As a result of performing some or all of the services listed in points 1 through 9 above, Adviser may be able to recommend strategies or methods for consolidating the client's financial situation in order for the client to manage their financial situation more easily and to obtain efficiency, cost savings, and diversification.

Employee Equity Compensation

Many employees receive equity compensation as a supplement to their salaries. This can include incentive stock option and nonqualified stock option plans, restricted stock, and employee stock ownership plans. We provide assistance to help executives manage complex equity compensation packages.

Employer Sponsored Retirement Plans

Employee sponsored retirement plan investments typically represent a sizable portion of a client's investable assets. Because we are a Registered Investment Advisory (RIA) firm, we are able to provide investment management advice for these investments for a fee. Employers normally provide a list of available investment options and we look to structure that portion of the portfolio with a more holistic and integrated allocation around your risk tolerance. Under certain circumstances, employers offer more robust plans that offer a vast number of investment options as an alternative to the traditional plans. We have found that it may be beneficial to use these more flexible plans because they can provide for more opportunity long-term.