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Our Services

PLANNING & CONSULTING: PLANNING Process

The Planning Process involves the time you spend defining your dreams and goals, the time we spend analyzing these goals and converting them into financial language that makes sense, and the time we spend together determining what is possible and what is most important to you.  Where are you now?  What are you trying to achieve and when?  What resources do you have to address your goals?  We can provide single-goal planning as well as formal, comprehensive planning with deliverables (reports, projections, etc.).  Once you have a plan, we’ll work with you to implement it and review it at least annually.1                                                                           

  • Introductory and exploratory meetings
  • Gather information, establish and prioritize goals
  • Initial situation and portfolio analysis
  • Gap and shortfall identification
  • Retirement planning and tax considerations
  • Social Security planning
  • Education funding planning
  • Initial estate considerations
  • ERISA 401(k) plan design assistance
  • Initial business & succession plan considerations
  • Debt considerations and factoring
  • High and ultra-high net worth consulting
  • Coordination with, or referral to, accounting and legal professionals
  • Deliverables: Planning reports, projections, reference information, analysis reports

“If you don’t know where you are going any road can take you there.”     - Lewis Carrol, Alice in Wonderland


RESEARCH, STRATEGIES & PORTFOLIOS: Investment STRATEGY 

A sound Investment Strategy is important if it is to serve your goals in a meaningful and sustainable way.  Determining the “right tools for the job” - type of account, how much should go into that account and how it should be invested - is where good strategy starts.  Of primary importance is managing the risk of investing in today’s world.  We build objective-based portfolios that balance performance expectations with the overall amount of risk you are willing to take to obtain that performance.2  With 20 years of experience - as well as ongoing access to many sources of comprehensive research and information - we’ll position, manage, update and review your overall investment strategy and portfolios according to the objective and your overall plan.1                                                                     

  • Research on markets, economy, investments
  • Personal account strategies and tax considerations
  • Allocation models, managers, recommendations
  • Sophisticated portfolio analysis and benchmarking
  • Portfolio risk analysis and management
  • Ongoing advice, monitoring and updates
  • Monitored rebalancing & optimization
  • Legislative and tax updates
  • Cost basis research and reporting
  • Advisory platforms (fee-based): Strategic Asset Management (SAM), Model Wealth Portfolios (MWP), Optimum Market Portfolios (OMP) and Personal Wealth Portfolios (PWP)   
  • Brokerage platforms (commission-based): mutual funds, UIT’s, stocks, bonds
  • Life insurance and annuities for wealth accumulation and retirement income.

Working with an LPL Financial Advisor: The Choice Between Advisory Services and Brokerage Services (pdf)

“Every move counts.  The choices we make today dictate the life we’ll lead tomorrow.  Your future is in your hands.”  - William Shakespeare (modern paraphrase)


TOTAL WEALTH MANAGEMENT: Wealth MANAGEMENT

Wealth Management is about taking all of your planning and investment portfolios to a comprehensive level of care and protection.  Coordinating the many other aspects of your financial life is important and can be challenging and time consuming.  Financial security that has taken a lifetime to build can be threatened or even wiped out by unforeseen events, as well as predictable influences like sickness, taxes or the need to care for someone you love.  With a total wealth management approach we also help you to serve your greater wishes as to family, community, legacies, charity and philanthropy – as well as helping you to identify & protect against the greater potential risks to those wishes.1                                                                        

  • Insurance for asset protection, risk management and wealth preservation
  • Quarterly performance reporting
  • Ongoing monitoring and portfolio reviews
  • Company stock option analysis
  • Estate and tax planning coordination and strategies*
  • Beneficiary planning and review/inter-generational wealth transfers* 
  • Qualified employer-sponsored retirement plan design and implementation assistance
  • Business advanced planning and buy/sell coverage
  • Key person/highly compensated employee loss planning/coverage
  • Planned giving and philanthropy
  • Donor Advised Funds
  • Charitable/foundation/endowment planning
  • Trust Services/Private Trust Company
  • Ultra-high net worth risk assessment, appraisal, insurance and management
  •      …and more.

“Success is neither magical nor mysterious.  Success is the natural consequence of consistently applying basic fundamentals.”  - Jim Rohn


TRUST SERVICES: The Private Trust Company (PTC)

The Private Trust Company, N.A. (PTC) is a wholly owned subsidiary of LPL Financial and is a nationally chartered trust bank licensed in all 50 states.  LPL Financial and PTC are committed to delivering administrative trust services in a seamless manner.  Working with us and PTC may provide you with better service and more involvement.

For those who… 

  • are currently receiving income from a trust or are the beneficiary of a trust
  • have a current trust and may benefit from PTC being named as successor trustee
  • need to begin developing their estate plan
  • have charitable intent and highly appreciated assets 

…consider working with us to explore establishing or taking over…

  • Personal Revocable or Living Trusts
  • Personal Irrevocable Trusts
  • Irrevocable Life Insurance Trusts
  • Charitable Remainder and Lead Trusts
  • Foundations
  • Rabbi Trusts
  • Stretch-IRA Trusts
  • Trust Settlements

The Private Trust Company accepts a new appointment as Trustee or Agent only after careful evaluation of the accounts and assets within the trust.  There may be limitations and restrictions.  PTC does not offer legal advice.  All legal issues should be addressed with your attorney.  More information, including fees and schedules, can be provided on request. 

“Now read me the part again where I disinherit everybody!”     - New Yorker cartoon by Peter Arno (1940)


Contact us today!


* in coordination with your legal and tax professionals.  We’ll assist you in determining the arrangement that is suitable for your needs and brings you the most value.

1 All costs are disclosed prior to, or at, purchase.  2 Past performance is not a guarantee of future results.

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