FINANCIAL PLANNING & CONSULTING

Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning.

Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. Implementation of the recommendations will be at the discretion of the client. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are typically accompanied by a follow up written summary of observations and recommendations.

INVESTMENT PORTFOLIO MANAGEMENT

We manage portfolios of publicly traded securities for our clients diversified between stock, commodities, real estate, fixed income and cash. We do not charge commissions each time we buy/sell something. Rather we charge a reasonable flat annual fee based on the percentage of the client's account. There is no long-term commitment or surrender fees. The portfolio is customized specifically to the client's goals, objectives and tolerance for risk. We do not manage investments on a "discretionary” basis. Something a mutual fund does. Rather we require greater client involvement in how their assets are managed, so we consult with clients before any changes are made. 

We use a Contrarian Investing strategy in security selection. This is characterized by purchasing and selling securities contrast to the prevailing sentiment of the time. A contrarian believes that certain crowd behavior among investors can lead to exploitable mispricing in securities markets. Avoiding investments in over-hyped investments reduces the risk of such drops. These general principles can apply whether the investment in question is an individual stock, an industry sector, or an entire market or any other asset class. A contrarian seeks opportunities to buy or sell specific investments when most investors appear to be doing the opposite, to the point where that investment has become mispriced. 

Risk of Loss: It is important that clients understand the risks associated with investing in the financial markets, are appropriately diversified in investments, can sustain any losses, and ask any questions.