Our Approach

We use a consultative process to offer customized choices and solutions designed to fit each individual’s needs in close consultation with you the client.

The wealth management process:

Investment consulting is the core

Investment Consulting is the astute management of investments over time to help achieve financial goals. It requires advisors to deeply understand their clients’ most important challenges and then to design an investment plan that takes their clients’ time horizons and tolerance for risk into account and that describes an approach that will maximize clients’ probability of achieving their goals. It also requires advisors to monitor both their clients’ portfolios and their financial lives over time so that they can make adjustments to the investment plan as needed.

Advanced planning

Advanced Planning goes beyond investments to look at all the other aspects that are important to your financial life. We break it down into four parts: wealth enhancement, wealth transfer, wealth protection and charitable giving. In our experience, very few financial advisors offer these services.

We address the range of financial needs beyond investing

  • Wealth enhancement – Our services are designed to minimize the share of your income going to income tax
  • Wealth transfer – identify and facilitate the most tax-efficient way to pass assets to succeeding generations.
  • Wealth protection – shield wealth from litigants, creditors, children, in-laws and/or ex-spouses.
  • Charitable gifting – about ¼ of highly successful individuals have some interest in long term support of charitable causes through private foundations, donor-advised funds, charitable remainder trusts, or charitable lead trusts
Relationship management – We act as your personal CFO (Chief Financial Officer)

Relationship Management is the final element. True wealth managers are focused on building relationships within three groups. The first and most obvious group is their clients. To address their clients’ needs effectively, they must foster solid, trusted relationships with them. Second, wealth managers must manage a network of financial professionals— experts they can call in to address specific client needs. Finally, wealth managers must be able to work effectively with their clients’ other professional advisors, such as their attorneys and accountants.

  • Client relationship management – ongoing consultative process to fully understand your critical needs and meet those needs over time
  • Expert team management – assemble and manage a network of financial experts and professional advisors including attorneys, accountants, insurance agents and others.