Our Services

Our services focus on four key areas:
Investment Management, Retirement Income Planning,
Family Estate Planning, and Insurance.

Investment Management

We provide our clients with a logical, organized method of investing in the financial markets. Our focus is to buy stocks whose price is likely to increase, minimize losses, and reduce risk based on careful planning.

You may have been taught that you should be more conservative the older you are. The market doesn’t care how old you are. It is more important that you are comfortable with the amount of risk you are taking.

We follow these three processes.

Buying Process

We research the top stocks in the market based on how likely the stock performs relative to the overall market. We are looking for “winners,” rather than picking stocks in hopes of a rebound. We check what the stock price is doing daily, weekly, and monthly. We buy stocks that are moving up the fastest.

When clients bring ideas of investments to consider, we help them determine whether the investment is appropriate for their risk tolerance and goals, and, if so, how much to buy.

Monitoring Process

We use many tools to check stocks. We continue to see what the stock price is doing daily, weekly, and monthly.

We meet regularly with clients to see how they feel about the risk in their portfolio. If necessary, we adjust their risk. We want clients to feel confident about their investments.

Selling Process

When the stock price drops below a predetermined level, we sell the stock.

Retirement Income Planning

We begin by looking at the whole picture — current income, savings, 401(k) account value, other retirement plan balances, annual expenses, credit card balances, longer-term loans, and amount and type (whole life or term) of life insurance. Once we know the full situation, we prepare some retirement plans, varying a detail (such as the age when Social Security will begin), to map out retirement years. We help clients make informed decisions about when to retire.

Family Estate Planning

At some point clients and their families will want to start planning a process to protect what they have accumulated. They may need a simple solution, such as setting up a gifting process. Or they may need a more complex solution involving trusts. We work with estate planning attorneys who can assist in these matters.

Insurance

Having appropriate life insurance and disability insurance is part of a successful plan. We help determine the correct ownership and right amount of insurance. We partner with insurance brokers for clients’ life and disability insurance needs.