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Wealth Management


Reliable financial advice

is a process not a prediction -

it's listening, planning, implementation, and discipline.

  • Exploring your vision of success, your aspirations for family and community.

  • Understanding your financial philosophy, wealth goals, tax viewpoint, risk tendencies.

  • Examining current resources, past decisions, future expectations, and unexpected contingencies.

  • Defining performance objectives, integrating investment and tax structures.

  • Researching the investing environment, testing strategies, benchmarking performance and suitability.

  • Anticipating and responding to change, resetting goals to match new circumstances.

Raising the bar of financial insight & responsibility

Complexity and choice have exploded across the financial landscape. So has the depth and breadth of knowledge needed to make effective decisions. There are no signs that simplicity is likely to return.

As advisors, we must look deeper to understand past circumstances and decisions that grew your wealth. We have to see your future as accurately as you see it. Then we look beyond to opportunities and obstacles you may not see, and communicate A-to-Z what we recommend and what we do not recommend.


You always have access to

performance information for your portfolio

and can always depend on our immediate response.

  • Password protected private account information.

  • Absolute return to target growth comparisons for specific allocations.

  • Manager performance evaluations compared to benchmarks.

  • Appropriate response to change - from micro financial needs to macro economic trends.

The evolution of financial services

is now a revolution —

time to re-examine assumptions, re-think strategies

and reclaim control.

  • Self-reliance can be more critical to your retirement income than employer and government programs combined.​​

  • Minimizing fee and tax erosion can be critical to achieving returns.​

  • With higher tax rates on the horizon, balancing pre-tax and after-tax strategies can be a critical hedge for personal long-term asset management.​

  • As longer life expectancy drives insurance costs below the tax cost on taxable investments, tax-deferred insurance-based investing can produce greater accumulation without increased risk.

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Our presence in the financial services environment expands your access to institutional advisory and investment resources.​

  • Tax Favored Investments

  • Hedge Funds***

  • Exchange Funds*

  • Options****

  • Separate Account Managers

  • Section 529 Plans

  • Bonds

  • Stocks

  • Mutual Funds*

  • Government Securities

  • Variable Annuities**

  • Private Equity

*Mutual Funds and Exchange-traded funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

**Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

***Alternative investments, including hedge funds involve a high degree of risk, often engage in leveraging and other speculative investments practices that may increase risk of investment loss, can be highly illiquid, are not required to provide periodic pricing or valuation information to investors, may involve complex tax structures and delays in distributing important tax information, are subject to the same regulatory requirements as mutual funds, often charge higher fees which may offset any trading profits, and in many cases the underlying investments are not transparent and are known only to the investment manager. The performance of alternative investments can be volatile. There is often no secondary market for an investor’s interest in alternative investments and none is expected to develop. There may be restrictions on transferring interests in any alternative investment.  Alternative investment products often execute a substantial portion of their trades on non-US exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in the US markets. Additionally, alternative investments often entail commodity trading which can involve substantial risk of loss. Please read the offering documents carefully for a complete list of risks, fees and other important disclosures.

****Options are not suitable for all investors. There are risks involved in any option strategy. Individuals should not enter into option transactions until they have read and understood the option disclosure document titled "Characteristics and Risks of Standardized Options," which outlines the purposes and risks of option transactions. This booklet is available from your Financial Advisor or at  OCC - Characteristics & Risks of Standardized Options. Supporting documentation of claims will be supplied upon request.

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