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Individuals and Families
Wealth Management is a comprehensive discipline, which includes financial planning and investment advice. We believe that our clients are best served utilizing our expertise in both areas. As our client, you will benefit from a collaborative relationship that addresses and anticipates your needs. We follow a rigorous and disciplined Wealth Management process that provides a structured approach while allowing for customization as your needs and situation dictate.
We understand that no two clients are alike. We take the time to learn about and truly understand your particular circumstances, goals, and aspirations, and develop an integrated plan that addresses every facet of your financial goals. An integrated Wealth Management Plan includes: Financial planning, Estate planning, Tax planning, Business succession, Retirement income planning, Inter-generational wealth transfer, and Philanthropy.
We prepare and maintain a financial plan for our clients. This is a detailed financial roadmap with actionable milestones. We review this plan with clients at least annually, ensuring it corresponds to their income needs and risk tolerance.
We believe planning is a process, not a product. We take a long term approach in order for clients to achieve their goals and dreams. There are 6 steps to creating a financial plan: Establish goals, Gather data, Analyze & evaluate financial status, Develop a plan, Implement the plan, Monitor the plan and make necessary adjustments.
We invest your money as if it were our own. We are independent thinkers. We take a long term approach and always have an eye on keeping fees reasonable. We approach the management of client assets with the following principles in mind:
Deep understanding. Before we invest any money for a client, we first determine the client’s goals, tolerance for risk, and time horizon. We measure these factors against our extensive knowledge of investments. Only then do we consider asset allocation and diversification.
Disciplined portfolio construction. Based on the specifics of each client’s situation, we provide exposure to an appropriate mix of assets. We also seek to provide diversification within each asset class, across sectors, industries, and countries.
Rigorous oversight. When implementing a client’s investment strategy, we use a stringent process in our manager and asset selection. Once the appropriate investment program has been chosen, we provide ongoing oversight and make changes as appropriate.