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Comprehensive Financial Management
Clients receive all services as described below: ongoing discretionary investment management services, a comprehensive financial plan at the beginning of the relationship and annually thereafter, as well as ongoing financial planning services as requested.
Investment Management
With discretionary trading authority granted by the client, customized portfolios are invested in stocks, bonds and mutual funds in accordance with client's objective and time horizon, emphasizing long-term investing. In-house fundamental economic and company research methodology is combined with sophisticated tools such as Bloomberg, Morningstar, and Reuters. Portfolio weightings are selected between different financial asset classes to diversify and to meet client's risk-return preference. Other asset classes such as real estate are also considered in an allocation mix. The firm specializes in growth stocks (with a value tilt) as well as international stocks.
Financial Advisory
Comprehensive financial plans are available that provide a clear roadmap for the client's financial future. Specific goals and needs are addressed, and the client is presented with several "what if" scenarios. The plan itself is easy to read, written in plain English with clear action plans. All financial plans cover the following areas, as applicable: asset allocation, retirement planning, tax planning, education planning, insurance planning, cash management, debt management, philanthropic planning, and estate planning.
Comprehensive Financial Management:
1.2% of assets under management, with a $4,500 minimum annual fee (payable quarterly in arrears). Percentage fee declines as assets exceed $1,500,000 (detailed schedule available upon request). Annual contract is cancelable with 30 days written notice.
Financial Plans:
$2,500 flat fee. One-half of fee due up-front, one-half due upon plan presentation.
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