For qualified clients:

Perpetual Investment Management: Using a solid foundation of countless hours of market and economic research while eliminating unnecessary costs and conflicts of interest for maximum efficiency, we then tailor individual client portfolios to meet their specific goals and objectives. (See Investment Philosophy.)

Proactive Relationship: No less than 3 to 4 scheduled meetings offered per year, in which we:

• Educate our clients to hold ourselves accountable to Investment Management objectives.
• Prompt discussions of financial planning ideas and strategies and how they might apply to their advantage.
• Address any client questions, whether portfolio-related or financial planning-related, providing educational responses and, where applicable, modeling their desired outcomes.

Integrated Financial Planning:

• Budgeting: As desired, assistance with finding that balance where current desires and attainment of future goals can both be achieved.
• Cash Flow Allocation: Building a savings plan that results in tax-diversification, as well as tax-efficiency.
• Obligation Planning (Retirement, College, etc.): As it relates to specific funding goals like Retirement Income or College Education, take a snapshot of where I am today, establish where I'd like to be in the future, and update the plan of action to optimize success in attaining the goal.
• Investment Tax Planning: Appropriate integration of Personal Financial Planning and Investment Management results in tax-efficiencies at all levels: Big-picture life timeline, account registration-level, investment vehicle selection, and timing of various strategies in light of your dynamic life changes.
• Estate Planning: While we do not write estate planning documents, we do prompt discussions on concepts that should be considered in your situation. Clients save money when they do their thinking prior to meeting with an attorney to put their wishes in motion.
• Debt Planning: Another area of frequent inefficiency, we review clients' debt planning and provide recommendations of ways to cut costs and achieve goals.
• Protection Planning: We work on "Plan A" together, but there are many outside forces that can effectively "blow up" that plan. We integrate client relationships with teams of financial professionals who help close the gaps and keep you on track.