Investment Management Accounts
- Creating a Customized Plan: We take a personal and customized approach to investment management. We start by understanding every aspect of your life that affects your financial goals. Then, in collaboration with you, we create an Investment Policy Statement (IPS). The IPS is meant to be a roadmap to keep your investment strategy on track toward achieving your goals. It includes factors such as your cash flow needs, risk tolerance, time horizon, and tax sensitivity among others.
- A Prudent Investment Strategy for Each Client: After creating your Investment Policy Statement with the members of your advisory team, your dedicated Portfolio Manager will create a portfolio designed to help you achieve your financial goals. With input from the Investment Strategy Committee, the Portfolio Manager will adjust your investment strategy as economic and market conditions change. Your advisory team will meet you with you on a regular basis to review and update your Investment Policy Statement and ensure that your investment strategy is on track toward achieving your goals.
Individual Retirement Accounts
Our team will manage the account transfer or rollover process to provide a smooth transition of your pension funds, 40sk’s, 403b’s, existing IRA’s, or other qualified plans. Your portfolio will be actively managed in accordance with your risk tolerance, cash flow requirements, and overall investment goals. As your advisor, we will ensure that all distributions, including the Required Minimum Distribution (RMD), are in compliance with IRS regulations.
Whether you desire to establish a living trust for your benefit or initiate trust accounts for family members or other individuals (during your lifetime or at your death), our fiduciary experts can be a valuable resource in the planning process. Our knowledgeable and experienced professionals will work closely with you to develop a solid investment plan to fund the trust, to manage the monitoring and maintenance of the plan and to make distributions from the trust as requested or required. Most importantly, we can help you determine whether or not it makes sense for you to establish a trust.
Our estate settlement professionals specialize in creating plans to ensure that your family members will never be burdened with the numerous and sometimes challenging tasks of settling your final financial affairs. Proper tax planning, wise choices and a precise estate plan will ensure that you realize important tax savings for your beneficiaries. As your executor, we provide you with benefits such as asset collection and valuation, tax planning and return preparation, liquidation and distribution of assets, payment of debts and collection of receivables, and preparation of required inventories and accountings.
In addition to holding securities for safekeeping, as custodian we offer other services including account administration, transaction settlements, collection of dividend and interest income, tax support, and foreign exchange.
Comprehensive Financial Planning
We create comprehensive financial plans that coordinate all of the individual or a family’s financial goals – both saving and spending – and form long-term strategies to reach those goals. During the planning process, we will perform an analysis of your current asset allocation and the cash flow that will be required to meet future goals such as college tuition or retirement. An important component of comprehensive financial planning also includes a review of your Last Will and Testament to ensure that your assets are transferred to your intended beneficiaries in the most efficient manner. Suggestions for tax saving and insurance solutions will also be discussed during the process.
Estate Planning Services
We will play an active role in assisting our clients with the many details of estate planning. Our experiences advisors will work with you and your attorney to prepare an organized plan that will make the transfer of assets to your beneficiaries as smooth and trouble-free as possible. We will strive to save your family unnecessary costs and delays by properly structuring the settlement of your estate, your investment plan, and transfer of property, securities and other assets.
Power of Attorney Services
When an individual is unable to manage their own financial affairs, we can be named as financial power of attorney. As an impartial third party, we are charged to manage your finances in a manner consistent with your goals and wishes.
Bill Paying Services and Enhanced 1099 Reporting
Whether traveling or just short on time, we offer personal bill paying services to help our clients manage and organize their financial affairs. In addition, for the bills that we pay for our clients, we can offer enhanced 1099.