We develop and implement an investment policy that is best suited for your financial situation and goals. Our investment philosophy is based on cash flow basis, and involves acquisitions of securities on a long-term basis utilizing modern portfolio theory. Instead of timing the market, we invest in high grade investment securities across market sectors, both domestically and internationally.
In developing your portfolio recommendations, we first assess your personal risk tolerance through both quantitative and behavioral questionnaires, and then construct a customized portfolio that better suits your investment objective.
We prepare detailed tax projections to assess the impact of financial and investment decisions on your tax liability. We develop tax-efficient strategies by looking for ways to help reduce your current and future tax burden. This includes a tax withholding and estimated payment analysis to mitigate underpayment penalties.
We also offer tax preparation services, and federal and state tax controversy solutions. These services include but are not limited to:
For a comprehensive financial planning engagement tailored to address your specific needs, we bill semi-annually at the beginning of every six months on a fee-only retainer. Our fees for this service can generally run anywhere from $500 to $2,500 per year, depending on the complexity of the engagement.
We also offer limited engagements at a reduced cost. Financial planning engagements are not a requirement to be an investment management client. You can choose to have a financial planning engagement annually, or for a single year and thereafter as needed.
Also covered under our investment management engagement, education planning determines your annual and lump-sum savings needs as based upon your education funding goals.
A Qualified Tuition Program, also called a 529 plan, is operated by individual states or by eligible educational institutions. This plan offers a tax-advantaged way to save for college.
Contributions to a 529 plan aren’t tax deductible, but the earnings on the investment are tax-free as long as the money is used for qualified educational expenses and the distributions from the plan are not greater than adjusted qualified education expenses.
We can steer you closer to these goals with accurate record-keeping and reporting as well as support on financial issues such as initial accounting system setup, cost-containment, tax planning, investments, and employee benefit and profit-sharing plans.
These services include but are not limited to:
We review the benefit-claiming strategies that are available to you and determine your optimal claiming strategy according to your current cash flow and long-term financial goals.
In addition, we review your current insurance, and determine if you and your family are adequately covered across various types of insurance, including life, disability, and health insurance.
We coordinate with outside specialists to determine if you also have adequate property and casualty insurance. We then work with your insurance agent to implement any necessary changes.