Ultimately, our product is the totality of the services we provide you and the results we help you achieve. There are many individual financial products on the market – each with its own advantages and drawbacks -- that are available to us as tools to serve you.

As an independent financial advisory firm we are brand-neutral and free to evaluate and recommend the financial products we believe are best for you. Unlike captive firms, we are not limited to a proprietary product line or forced to meet sales quotas.

Our services and the types of products we use include:

Financial Planning

  • Wealth Accumulation Planning
  • Education Planning
  • Retirement Planning
  • Coordinating the Funding of Estate Plans
  • Risk Management

Investments

  • Fee-Based Asset Management
  • Mutual Funds
  • Variable Annuities
  • Real Estate Investment Trusts (REITs)
  • Alternative Investments
  • Full Brokerage Capacity
  • 401(k), Profit Sharing and Pension Plans
  • IRAs, including Rollovers and Roth
  • 529 College Saving Plans​

Insurance

  • Life Insurance
  • Long-Term Care Insurance
  • Audit of Existing Insurance Policies
  • Deferred Compensation Program Structuring
  • Group Insurance Benefits
  • Business Succession Planning
  • Short and Long-Term Disability Income Insurance

Investment Process

Money managers often debate which investment strategy is best. Common sense tells us that placing all of one’s eggs in a single strategy is too risky. Why not choose a balanced approach? We created a solution that we call “4 Corners” to achieve the right mix.

Focused Funds
Some funds have managers and teams that believe in investing with great focus and conviction. These managers generally limit their number of holding to 20 – 100 stocks. They monitor their ownership in these companies and are active managers.

Index Solutions
Participating in market returns is obtainable with passive funds that emulate indices like the S&P500.

Core Stocks
These are stocks of iconic companies we want to own as investors. Buying these stocks and holding them for the long-term provides a (but not diversified) way to participate in the long-term performance of these companies.

Undervalued Stocks
Filtering the universe of stocks to identify quality balance sheets and earnings can identify target companies. We buy those stocks when they fall below our estimation of fair value and sell them when they reach our targeted sell price.