Individuals and Small Businesses

Our advisors work with our clients to provide financial planning and investment management for retirement, estate, and educational goals. In addition, we assist small businesses with corporate cash management, ERISA pension, profit sharing and 401(k) plans. 

Each client relationship is individually tailored to accomplish specific investment objectives with particular consideration being placed on risk tolerance. Our underlying philosophy throughout the planning and monitoring process is: Don’t take more risk than necessary to achieve stated objectives.
We use a diversified approach to investment management using a blend between conservative fixed income investments and high-quality equity investments. We monitor and review progress toward established goals through ongoing client meetings.
When situations warrant, a tax-managed approach is applied by incorporating tax-efficient and tax-advantaged instruments into the equation. The ultimate goal of course is to manage growth, with a primary focus also placed on tax savings and deferral.
Once the desired objectives are met through management of assets, the focus shifts to preservation of principal. At or near retirement, objectives change and a primary emphasis is placed on preservation of assets, most notably against taxes, inflation and market volatility.
We meet with our clients regularly throughout the year to review portfolio performance and assess changing needs, as appropriate.
We are hands on, full service, dedicated to providing our clients what they need, when they need it.
There is no guarantee that any strategy or recommendation will ultimately become successful or profitable nor protect against loss.  Tax free instruments may be subject to state, local, and/or alternative minimum tax. You should discuss any tax or legal matters with the appropriate professional.