We believe that the key to success is our team approach to client issues. Every aspects of a client’s profile is analyzed and discussed amongst our group. Our team of professionals is dedicated to delivering consistent and superior service to our clients. The result is a collaborative design tailored towards your specific goals:

Financial Planning

• We believe that successful wealth management can only be accomplished through the implementation of a comprehensive financial plan.
• How wealth is structured can have a greater impact on net returns than any single investment decision.
• The steps of financial planning include:
  • Establishing and defining the relationships. It is important that both the client and adviser define their expectations and the manor in which they will work together.
  • Discovering and gathering client data. A thorough review of client information (past and present) is necessary in order to gain a better understanding of your current situation.
  • Organizing and analyzing a client’s financial condition. A meticulous evaluation is performed, weighing past and current activities relative to future goals.
  • Developing and presenting financial planning recommendations and alternatives. Various techniques and alternative solutions are explored. Multiple options are developed and integrated into a comprehensive plan that focuses on client needs and objectives.
  • Implementing the financial planning recommendations. Using the assistance of other professionals as needed, we coordinate all the activities necessary to execute the plan. Without implementation, the plan has no value.
  • Monitoring the financial planning recommendations. Ongoing reviews are essential for plan success. Regularly scheduled updates measure investment performance and determine how revisions in tax law or fluctuations in the general economic environment might impact the plan. These external variables along with changes in a client’s personal circumstances must all be examined.
• This side of our firm is led by our financial planner, Deborah F. Reed, CFP.

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Investment Management

• We believe that an Investment Policy Statement is the cornerstone to asset management
• We use an Investment Policy Statement as a tool to develop solutions that aim to consistently generate competitive risk-adjusted returns over full market cycles.
• We believe that successful investors:
  • Are comfortable delegating the management of their portfolio to professionals and are responsive to recommendations.
  • Tend to be value oriented and are defensive, rather than the common perception that investment success comes from a continuous offensive or aggressive strategy.
  • Do not chase returns, but instead adhere to the strategy outlined in the Investment Policy Statement.
  • Understand the relationship between their return expectations and their ability to tolerate risk.
  • Diversify their assets. We use an Asset Allocation strategy to manage every client portfolio. We utilize an array of vehicles across a spectrum of assets to minimize risk.
  • Understand that taxes are an important consideration but are not the central force in portfolio structure.
  • Do not base success upon a single benchmark, but rather consider the portfolio relative to their goals.
  • Are comfortable with global investing.
• This side of our firm is led by our investment manager, Jason L. Ball, CFP.                     

Click here for more information on Jason L. Ball, CFP