Investment Management

Whether you are looking for growth, income or a balanced portfolio, your account will be customized to meet your needs using the following steps:

Step 1: A financial plan is designed for you to help you reach your personal goals.

Step 2: Proposals are made, utilizing investments best suited to your needs.

Step 3: Throughout the year, discussions will help us stay on track with your changing situation.

Clients have the option of having their account managed one of two ways:

Option 1
For clients looking to be more involved in the day-to-day management, I will personally fulfill each of the steps outlined above. Your portfolio may include, international and domestic stock, mutual funds, commodity funds, real estate investment trusts, bonds, CDs, exchange traded funds, closed end funds, and money markets. Fees are based on a percentage of the account value. Account minimum of $150,000.

Option 2
After I have designed your personal financial plan, the ongoing portfolio management will be delegated to an Institutional Money Manager. This manager will utilize individual stocks as part of a dividend growth strategy. I will continue to be your contact, providing all ongoing service and financial planning. Fees are based on a percentage of the account value. Account minimum of $250,000.

Option 3
This option is designed for clients with less complex portfolios. After I have completed your personal financial plan, the ongoing portfolio management will be delegated to an Institutional Money Manager. This manager will build and manage a portfolio of low cost, exchange traded index funds. I will continue to provide assistance and financial planning. Account minimum of $75,000.

Financial & Investment Planning

As a Fee-Only, Certified Financial Planner Practicioner, you can have comfort knowing that all of my recommendations are based on your goals and needs without a conflict of interest. I do not earn commissions from the products I recommend considering only the best interest of the client.

A financial plan will generally cover retirement, estate and college planning, investments, insurance needs, and cash flow.

• Are you saving enough for retirement and college?
  
• Have you prepared wills, durable powers of attorney, and trusts?
  
• Do you have enough or too much life and disability insurance?
  
• Is your investment portfolio too aggressive or too conservative?
  
• Have you reviewed your investments recently?
  
• Are you living within your means?
• Should you consider Long Term Care?

See a Sample Financial Plan

Fees based on an hourly rate or project fee. No account minimum.

Portfolio Review

Designed for clients needing a one-time review of just their investments, without the need for ongoing advice or service. Review includes stocks, bonds, mutual funds, annuities, exchange traded funds and other investments. Trades will be handled by clients. No asset minimum. An hourly rate will be applied.

Investments & Planning Covering:

• Stocks	• Insurance
• Bonds	• Estate Planning
• Mutual Funds	• Cash Flow
• Exchange Traded Funds	• Retirement Projections
• Annuities	• IRAs and 401Ks
• 529s and custodial accounts	• Investment Accounts