Professional Services

Initial Consultation is Always Without Charge – the only way for both of us to know if working together makes sense.

Services Provided

I offer a wide array of wealth management services including:

• Financial Planning
• Investment Portfolio Management
• Company Retirement Plan Management
• Retirement Planning
• Education Planning
• Wealth Preservation
• Business Asset Transfer
• Charitable and Gift Planning
• In-depth Investment Assessments
• 401(k), 403(b), 457, IRA, Pension Plan, and Non-Retirement Investment Account Advice

Investment Philosophy:

I practice Strategic Asset Allocation, the process of customizing a diversified investment portfolio specific to your needs by combining different assets in varying proportions. An asset is anything that produces income or can be purchased and sold, such as stocks, bonds, or certificates of deposit (CDs). Asset classes are groupings of assets with similar characteristics and properties.

Examples of asset classes are large company stocks, international stocks, intermediate bonds and money markets. Every asset class has distinct characteristics and may perform differently in response to market changes. The asset allocation decision is one of the most important factors in determining both the return and the risk of an investment portfolio. Therefore, careful consideration must be given to determine which assets you should hold and the amount you should allocate to each asset.

Factors that greatly influence the asset allocation decision are your financial needs and goals, the length of your investment horizon, and your attitude towards risk. Diversification does not guarantee against loss. It is a method used to help manage investment risk.

Some of the investment vehicles utilized: No-load (no-commission) Mutual Funds, Exchange Traded Funds (ETFs), Stocks, Bonds, Bills, Notes, Certificates of Deposit (CDs), and Money Market Accounts.

Professional Relationship:

As a Registered Investment Advisor Representative I work for you and only you. I receive no commissions, payments or compensation contingent upon the purchase or sale of financial products or plans. I have a fiduciary responsibility to provide unbiased advice without conflicts of interest.