Financial Planning & Asset Management

• Discover and help to prioritize your short and long-term goals and aspirations.
• Identify life transitions that you are and expect to be experiencing.
• Gather and organize your data and documents.
• Analyze your financial condition, challenges and opportunities as they relate to your goals.
• Develop an investment strategy that attempts to balance your goals and tolerance for volatility.
• Help you with the financial implications of life transitions.
• Provide recommendations and alternatives to help you achieve stated goals.
• Help to implement financial decisions.

• Continue to help prioritize and implement your goals and aspirations.
• Communicate regularly with you to review goals and progress.
• Monitor life transitions that you are and expect to be experiencing.
• Ongoing tax planning.
• Strategize and coordinate with other advisors (accountants, attorneys, insurance agents, etc.).

• Develop written Investment Policy Statement.
• Investment selection and execution of trades on a nondiscretionary basis.
• Re-balance the portfolio when appropriate.
• Re-allocate the portfolio due to changes in the economy or your objectives.
• Tax loss harvesting (where applicable)

Asset Management (For clients not on a financial planning retainer)

After assessing your goals, objectives, time horizon and risk tolerance, I recommend a diversified portfolio. Since I subscribe to academic research that indicates the majority of portfolio returns is a result of the asset allocation decision and not market-timing or individual security selection, I devote the majority of my time determining the percentage allocation among domestic stocks and bonds, international stocks and bonds, cash, etc. The percentage allocations are designed with your individual goals and risk tolerance in mind. My services include the following:

• Develop written Investment Policy Statement.
• Investment selection and execution of trades on a nondiscretionary basis.
• Re-balance the portfolio when appropriate.
• Re-allocate the portfolio due to changes in the economy or your objectives.
• Tax loss harvesting (where applicable)

Financial Check-up

The Financial Check-up is a one-time, two and one half hour financial planning session. The purpose of this service is to provide answers to specific financial planning questions.  Because of the limited engagement time, clients are best served if they submit their questions ahead of time and have all relevant paperwork available.  Telephone and email assistance is provided for 30 days after the meeting to clarify any answers and recommendations made during the meeting. The fee is $650.