Our Services

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions. From basic cash flow analysis, debt management, college savings and retirement to the ultimate goal of being financially secure, we try to help you pursue your goals.   

For the last 27 plus years you have heard me repeat the mantra that risk tolerance and the significance of reducing exposure to volatility in your portfolio by not being overly concentrated in one sector or style are, in my view, the most important concepts to consider when developing an investment strategy. What investment you select is generally not as important as what category the selection is in and the diligence given in reviewing and maintaining your overal stratgey. I am a strong advocate of indexed mutual funds and, where appropriate, ETFs.

Asset allocation may help reduce the overall impact of negative volatility on your portfolio, but being proactive in managing and when appropriate changing that allocation to meet current economic times is essential when trying to accomplish your long-term financial goals. It sounds simple, and generally the right thing is, that a well-diversified portfolio may be your best defense against the type of downturns

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. Of course, it is easier said than done. It's only natural for you to be fearful during market downturns, or fear a bond market correction, and consider moving into cash. However, this means that you're allowing your emotions to drive your decisions, which can cause you to miss out on long-term growth potential. It starts with understanding the level of risk you can tolerate in your portfolio, and then balancing your tolerance for risk in down and up markets to ensure that your overall comfort level is reflected in your asset allocation strategy. It is important that you understand the emotions that, more times than not, are driving our decisions.

  • Tax planning management
  • Investment management
  • Retirement strategies 
  • Estate conservation
  • Insurance and annuity products





There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.