What We Do

“Compound interest is the eighth wonder of the world.

He who understands it, earns it … he who doesn’t … pays it.”

Albert Einstein                  

What We Do

We primarily serve a select group of very successful executives, business owners, and some of the most influential families in the area.  While their goals are different there is a common thread, they all want peace of mind.

Our philosophy when engaging our clients is that we can’t truly advise and guide them without understanding their situation and goals.  We’ve developed and refined a process we call GTO (Goals Tracking & Optimization) that puts all of the pieces of the financial puzzle together for our clients.

We never lose sight of what matters most to our clients:

  • Family– Family is what matters most to us, and to most of our clients.
  • Work– To retire completely with the confidence of their ability to do so without running out of money.
  • Recreation -We all have wishes and wants (bucket lists), and having the time and security to do them is something we understand. We want you to face the future with anticipation.

The GTO Process

Goals, Tracking and Optimization

The GTO Process is a comprehensive process used to properly identify your Goals and objectives.  This allows us to create a customized goals-based financial game plan which we then Track and monitor your probability of success.  As events in your life unfold and the financial markets gyrate, we periodically re-balance and Optimize your portfolio.  We have deliberately designed the GTO Process to be dynamic in nature in order to take advantage of major longer-term trends in the financial markets- no matter if they are up or down.

The GTO Process gives us confidence that all the pieces of the puzzle are in place, clearly understood, and that we are focused on what matters most to our clients.  We monitor your progress on an on-going basis and provide constant access to all of our clients to view the probability of success of their personalized plan.  Clients can also update and modify parts of their plan and see the impact on their probability of success.

Our Sevices

Learn what we can employ for you

Our goals-based financial planning services starts with your individual needs.  We’ll listen to you and talk with you until we gain a thorough understanding of where you want to go.  We want to see your vision and understand what meaningful results look like to you.  Only then can we develop customized, dynamic, and long-term strategies that can help you achieve those results.  

We incorporate a comprehensive set of core investment services into your financial game plan based on your situation.  These services include:

  • Wealth Advisory
  • Retirement Planning
  • Asset & Risk Management
  • Legacy Planning

Please click on a tab below to learn more about our services.

Wealth Advisory
Retirement Planning
Investment management
Legacy Planning

Establishing a game plan substantially increases your chances of success and growth.

We start with an in-depth discovery process of your current situation, future needs, wants and wishes. Through our process, we learn about your family, their dynamics, your thoughts on retirement, a review of current savings and investments, a debt and risk review.

We then design a plan that incorporates both your personal and estate planning desires with your financial goals. You, your family, and your wealth are ever evolving and changing to meet the circumstances of life, we understand this and review and update your plan as needed to evolve with you.

Once we have deployed our plan we continually monitor our progress and adjust the portfolios to optimize our results. Our deep understanding of the financial markets allows us to create a customized investment program that includes a system of monitoring and adjusting our investments as circumstances change.

See our Media page for related articles.

Retirement is more than just a goal; it’s your next career, which could last over 20 years. Pre-retirement planning is critical and can make the difference between simply surviving your golden years and enjoying them. When the day comes for you to make the transition to full retirement you’ll be able to make that decision with confidence based on our pre-retirement planning. Wouldn’t it be great if all you had to do was just pop the cork on the Champagne and decide what you want to do first?

Our planning process does not change at retirement, only some of the inputs into the plan do. Determining and managing your retirement cash flow involves a coordination of all of your benefits, cash flow from investments and projected needs.

See our Media page for related articles.

As your financial steward, we integrate your investment management with your wealth planning. Upon a thorough understanding of your financial and non-financial objectives (family, cash-flow, taxes, etc.) we will develop a custom investment strategy. We than monitor your strategy on an ongoing basis and will evolve as the moving parts of your life unfold.

Our goal is to preserve and grow your assets using a methodology founded on the principle that all investments are not created equal. Our analysis starts by adhering to the most basic economic principle of supply and demand, ranking investments from strongest to weakest using very broad asset classes. Knowing the supply and demand relationship of multiple assets allows us to be proactive and to increase exposure to the assets that are strengthening, while reducing exposure in weakening assets.

We use a wide array of investment tools, including our own proprietary investment methods which can help to optimize returns in both strong as well as weak markets.

We evaluate risks through quantitative tools and a qualitative scenario analysis. Portfolios are rebalanced as needed based on changes in the global financial markets, the changes in strength of broad asset classes, and our current perception of risk in the markets.

See our Media page for related articles.

• Is leaving a legacy important to you?
• Would you like your wealth to stay in your family for future generations?
• Would you like your future generations to understand and respect what it takes to accumulate the wealth you did over your lifetime?
• Do you want your philanthropic values instilled upon your future generations?

If you answered yes to any of these questions, then creating a Wealth Transfer Plan (WTP) is something you could consider.

What is a Wealth Transfer Plan?
A WTP is incorporated within your comprehensive estate planning and is comprised of 3 parts:
1. The wish list, containing your personal goals, values, and desires that you would like to be carried out for/ by your future generations.
2. An implementation outline listing the steps that are necessary to satisfy the Wish List.
3. A personal letter written by you to your future generations in which in your own words express your goals, rational, and desires regarding your intentions. This is not a legal document, just an opportunity for you to speak from your heart about the decisions you’ve made.

Getting started is not always easy. Our advice is to call an advisor who fully understands and has created Wealth Transfer Plans, because when addressing your legacy, you want things done thoroughly.

See our Media page for related articles.

Sample Client Calendar 2017

 

January February March April May June
Semi Annual Review Update Planning Projections Bi-Annual Newsletter Monitor Financial Planning Tasks Cash Flow Update and Review Annual Estate & Insurance Review
Capital Gains Tax Reporting Summary Internal Portfolio Review & Rebalance Internal Portfolio Review & Rebalance Internal Prior Quarter Performance Discussion Internal Portfolio Review & Rebalance Internal Portfolio Review & Rebalance
Internal Portfolio Review & Rebalance Internal Investment Planning Meeting Internal Investment Planning Meeting Internal Portfolio Review & Rebalance Internal Investment Planning Meeting Internal Investment Planning Meeting
Internal Investment Planning Meeting Touch base Phone call Internal Investment Planning Meeting
July August September October November December
Semi Annual Review Update Planning Projections Bi-Annual Newsletter Monitor Financial Planning Tasks Year End Tax Planning Execute Year End Tax Plan
Internal Prior Quarter Performance Discussion Annual Family Gifting Planning Internal Portfolio Review & Rebalance Internal Prior Quarter Performance Discussion Internal Portfolio Review & Rebalance Year End Charitable Planning
Internal Portfolio Review & Rebalance Internal Portfolio Review & Rebalance Internal Investment Planning Meeting Internal Portfolio Review & Rebalance Internal Investment Planning Meeting Internal Portfolio Review & Rebalance
Internal Investment Planning Meeting Internal Investment Planning Meeting Touch base Phone call Internal Investment Planning Meeting Internal Investment Planning Meeting

We are constantly working for our clients. The sample calendar gives you a glimpse into what we do.  From client meetings and calls, to updating financial plans, rebalancing portfolios, researching investments, and other activities related to helping our clients sleep at night and stay on course with their plan.

Ready to learn more about our services?

In an independent clientcentric environment