What We Do


for a full series of life events

We address the full continuum of financial priorities, needs and concerns in your life. It's about envisioning and anticipating the future, while preserving and managing the wealth you have accumulated to date. Above all, it's about being flexible about what your future looks like – because even with all the planning in the world, life happens.



Whether your objectives are to preserve your wealth, achieve a reasonable rate of return, or counter the erosive effects of inflation and taxes, we believe that a proper asset allocation can be an effective way to pursue these goals.

Asset allocation does not guarantee a profit nor protect against loss. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.


Our investment discipline is best represented in our global asset allocation model. Academic studies1 confirm that the majority of a portfolio's performance is determined by the asset class it is invested in. With this in mind, we strive to create a balanced portfolio that reflects what we consider to be the optimal weighting of stocks, bonds, commodities and cash to achieve the required returns for a conservative, moderate or aggressive investor.

1 Brinson, Hood, and Beebower (1986); Brinson, Singer, and Beebower (1991).
Asset allocation does not guarantee a profit or protect against a loss.



People are living longer today. The possibility of living 30 years or more without a paycheck takes careful planning and disciplined investing. As you approach retirement, the pre-retirement phase, we'll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. From evaluating qualified plans and IRA rollover options, to incorporating cash flow analysis, we can guide you at this crucial juncture. Once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you and your family.


If your goals include providing for the future of a child or grandchild, we can help you investigate a multitude of investment vehicles and strategies.


Working with you and your accountant or tax attorney, we can help mitigate the costly impact of taxes by developing and implementing strategies designed to lessen or shift current and future tax liabilities. Tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

You should discuss tax or legal matters with the appropriate professional.


Whether it's providing income for a spouse, educating children or making contributions to your favorite charitable causes, estate planning can ensure that your assets are preserved for the uses you have intended. We can collaborate with your attorney and CPA on an estate plan personalized to address your desires.


Since insurance can help protect you in case of accident, illness, disability or death, it plays an important role in your overall financial plan. We can help you build a protective cushion with life insurance and minimize out of pocket expenses to preserve your estate with long-term care insurance.


Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes.