We believe that relationships are paramount—not products.
The relationships that we form with our clients are the foundation of our business.
We believe that our industry has been broadly populated by firms that create investment products, and then find customers to buy them.
Instead, we form meaningful relationships with those we serve, and after learning about their unique situations, constraints, and wishes, find the most compelling opportunities consistent with their goals.
You deserve to have someone working in your best interest at all times.
We believe that proper wealth management is the synthesis of financial planning and investment management.
Financial planning is the foundation of sound investment management. Our clients’ recommendations and portfolios are designed to be consistent with their goals and constraints discovered in the planning process.
Your portfolio should be of no more or less risk than is needed to achieve your objectives.
We believe in getting the big things right.
We spend a great deal of time asking questions and finding solutions to problems that deeply impact our clients’ financial lives—problems that often go beyond just money management. Here are some examples:
- Establishing realistic plans based on available and future resources
- Allocating investment assets properly to accounts based on their relative tax efficiency and unique characteristics
- Maximizing distributions both for our clients, and ultimately their heirs
- Matching proper savings and investment tools with goals
- Utilizing proper beneficiary designations and gifting techniques
- Ensuring that tax reduction strategies are consistent and integrated with overall planning
You have challenges—we’ll help find solutions.
We believe in getting the little things right.
We are attentive to detail. We follow up. We make sure that little aggravations don’t turn into big ones. We follow up on name and address changes, revise account instructions, and ensure that deposits, withdrawals and transfers are correctly executed, just to name a few. We follow through on our assigned tasks. We make our clients’ lives a little more organized and a little less hectic.
Your little things are our big things.
We believe in customized solutions.
Each individual brings to us a unique set of concerns, goals, resources and circumstances, and each situation is treated as such—evaluated without any preconceived solutions. We firmly believe that our depth of experience and knowledge should make us more creative, not less so. We believe that institutionalized sales “advice” is typically not meaningful to individuals with distinctive situations.
Your life deserves more than “canned” advice.
We believe that our clients should be treated as if they were family members.
There are few sources of advice as trusted as a family member. Our guidance to clients is consistent with what we would recommend to our own families in the same situation.
You deserve to be treated with respect and care.
We believe that a client’s privacy is of paramount importance.
A critical element in maintaining the trust established in our relationships is dependent upon our ability to safeguard sensitive information. We have established strong physical, electronic and procedural safeguards to protect our clients’ information and privacy.
Your private information is nobody’s business but your own.
We believe that technology should enable us to spend more, not less time with our clients.
Technology is not used as a wall between us and our clients—rather, it is a window, allowing us better and more frequent communication.
Our investment in technology is assessed with a simple question in mind: Does this enable us to spend more meaningful time with our clients?
Your questions need answers—in a timely, personal, secure, and accessible manner.
We believe that clients have a right to know how we get paid, and who is doing the paying.
Our clients have a right to know, in a direct and transparent fashion, how much our services will cost prior to engaging us. Further, they have the right to know if we are being compensated by sources other than them.
All of our compensation is fully disclosed.
You have a right to know if anyone other than you is paying us.
We believe that clients should have the opportunity to understand as much as they care to know about any recommendation.
We value the trust that our clients place in us. We are prepared to spend the time necessary to explain to our clients, their loved ones, and any of their advisers the rationale behind our recommendations. Our planning and investment management process is built upon the free and open exchange of ideas.
You need to know that we’ll find the right people to get the right answers.