Investment Management

The first step in preparation for our management of your financial assets involves us holding a discussion guided by a series of questions designed to help us determine what you want, when you want it, and what you are willing to go through to get there. Answering these risk tolerance questions is vital to designing a personal plan suited to your objectives. In essence, we must agree upon an investment approach geared to your goals and comfort levels. We strongly believe that a key to our mutually successful relationship will include this clear definition and understanding of how we will go about managing your money.

Pre-investment preparation helps us:

• Confirm your risk tolerance, investment goals and timeframes, and potential income requirements for present or for future. Educate you on ways to achieve your goals.
• Agree upon the general approach through which we will pursue the agreed upon goals.

We are able to utilize individual securities, institutionally priced mutual funds, index funds or ETFs as we deem suitable to match client objectives without outside obligation to the product sponsor.

We offer securities through Osaic Wealth, Inc., an independent broker-dealer and a part of Advisor Group, a worldwide financial services and insurance provider. We are free to make investment decisions based upon your needs, values and goals.

Additional financial planning services can be provided on an hourly basis. As a consumer of financial services, we anticipate you will want to know what your options are, and which might make the most sense for your situation. This is a subject that we can review before making any final decisions. What is important here, is that you have a choice and we take the subject of full disclosure key to building a foundation of mutual trust and understanding.

Our managed accounts receive monthly brokerage statements from the broker-dealer / custodian, as well as quarterly performance reports from us. In addition, online daily access to your accounts is available upon your request.

Our monthly brokerage statement and quarterly performance reports are intended to provide you with the facts that keep you informed of your status. The quarterly performance reports are accompanied by our own personal commentary and overview of market conditions. In addition, we are available to hold face to face or conference call meetings to have in depth discussions not only about your investments but any life changes or developments that might result in a change of approach. Staying in touch is key to our process, not just as managers of your financial assets, but as the advisor you may be counting on for a number of subjects.