Broker Check

75 Things We Do For Our Clients




What we do: Financial planning

  • Cares more about you and your money than anyone who doesn’t share your last name. 
  • Asks questions in order to understand your needs and objectives. 
  • Helps you determine where you are at present. 
  • Guides you to think about areas of your financial life you may not have considered. 
  • Helps organize your financial situation. 
  • Formalizes your goals and puts them in writing for you. 
  • Helps you prioritize your financial opportunities. 
  • Helps you determine realistic goals. 
  • Studies possible alternatives that could meet your goals. 
  • Prepares a financial plan and/or an investment policy statement for you. 
  • Makes specific recommendations to help you meet your goals. 
  • Implements those recommendations. 
  • Suggests creative alternatives that you may not have considered. 
  • Reviews and recommends life insurance policies to protect your family. 
  • Assists you in setting up a company retirement plan. 
  • Prepares a financial plan for you. 
  • Assists in preparing an estate plan for you. 
  • Reviews your children’s custodial accounts and 529 plans. 
  • Helps you determine your IRA Required Minimum Distribution. 
  • Persuades you to do the things you know you ought to do, even if you don’t feel like doing them.

Investments

  • Prepares an asset allocation for you so you can achieve the best rate of return for a given level of risk tolerance. 
  • Does due diligence on money managers and mutual fund managers in order to make appropriate recommendations. 
  • Stays up to date on changes in the investment world. 
  • Monitors your investments. 
  • Reviews your existing annuities. 
  • Reviews your investments in your company 401(k) or 403(b) plans. 
  • Reviews your existing IRAs. 
  • Reviews and revises portfolios as conditions change. 
  • Guides you through difficult periods in the stock market by sharing historical perspective. 
  • Works towards improving your investment performance. 
  • Looks "inside" your mutual funds to compare how many of their holdings duplicate each other. 
  • Converts your investments to potential lifetime income. 
  • Helps you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds. 
  • Provides you with a written sector-based evaluation of your portfolio. 
  • Determines the risk level of your existing portfolio. 
  • Helps you consolidate and simplify your investments. 
  • Provides you with alternative investment options. 
  • Provides you with executive services involving restricted stock and employer stock options. 
  • Provides introductions to money managers. 
  • Shows you how to access your statements and other information online. 
  • Shops for top CD rates from financial institutions throughout the country. 
  • Timely execution of transactions 
  • Provides access to answers from a major investment firm.

Taxes

  • Suggests alternatives to lower your taxes during retirement. 
  • Reviews your tax returns with an eye to possible savings in the future. 
  • Stays up to date on tax law changes. 
  • Helps you potentially reduce your taxes. 
  • Repositions investments to take full advantage of tax law provisions. 
  • Works with your tax and legal advisors to help you meet your financial goals.

Person to person

  • Confidentiality in the treatment of personal information. 
  • Monitors changes in your life and family situation. 
  • Will call you back and reply to your emails. 
  • Proactively keeps in touch with you. 
  • Remains only a telephone call away to answer financial questions for you. 
  • Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio. 
  • Makes sure that he and his firm provide excellent service at all times. 
  • Provides referrals to other professionals, such as accountants and attorneys. 
  • Refers you to banking establishments for loan alternatives. 
  • Provides you with a chart showing the monthly income from all of your investments. 
  • Suggests alternatives to help increase your income during retirement. 
  • Listens and provides feedback in a way that a magazine or newsletter writer does not. 
  • Shares the experience of dozens or hundreds of his clients who have faced circumstances similar to yours. 
  • Helps educate your children and grandchildren about investments and financial concepts. 
  • Holds seminars to discuss significant and/or new financial concepts. 
  • Helps with the continuity of your family’s financial plan through generations. 
  • Facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries. 
  • Keeps you on track. 
  • Identifies your savings shortfalls. 
  • Develops and monitors a strategy for debt reduction. 
  • Educates you on retirement issues. 
  • Educates you on estate planning issues. 
  • Educates you on college savings and financial aid options. 
  • Is someone you can trust and get advice from in all your financial matters. 
  • Is a wise sounding board for ideas you are considering. 
  • Is honest with you.

We tailor our various services to the individual client needs.