What We Do

While it is easy to get caught up in the state of the economy or the latest “hot” investment, we believe passionately that the way you invest should be aligned with where you are in your life… not with the short-term ups and downs of markets.

You should have a financial plan to help you manage your opportunities, needs, concerns, and goals for both today and tomorrow. A good plan should help you:

• Protect and provide for your family
• Enjoy and protect your lifestyle
• Plan ahead for your needs and wants
• Create financial comfort
• Build a legacy

One of the most important decisions you make in life occurs at the point in time when you declare your retirement and replace your regular, earned income with a steady income from your investment accounts to support your “Golden Years.” You want your retirement to be full of great memories regardless of how you choose to spend them.

A good retirement income strategy creates “buckets” of investments appropriate to the time frame in which the income need is anticipated. This is not a one-time event. It’s a fluid, adaptive strategy that has been repeated again and again by design to give you the lifetime retirement income you’ve worked so hard to accumulate.

Investing to reach your goals means gathering as much experience and help on your side as you can. Using scientific and academic research have taught us that there are six important decisions that must be made when building and managing investment portfolios:

1. Asset Allocation
2. Portfolio Design
3. Investment Manager Selection
4. Portfolio Construction
5. Tax Management
6. Risk Management