We provide comprehensive, holistic advice and services for wealth planning and management to individuals and families. Our services are advisory-based where clients pay an annualized fee based on the value of their portfolio. The rate is determined by the amount of assets under management and by the type of investment solutions recommended. The rate decreases as the portfolio size increases. The fee to be charged is communicated after it is determined that our services and approach are a good fit for the client’s needs and before any fees are charged.
Our work is based on process – never product. At the foundation of the client’s relationship with our team is a comprehensive, integrated investment plan that we update regularly. By guiding you through a disciplined process that includes a detailed discussion of goals and objectives, taking inventory of current assets and liabilities, analyzing the existing investment portfolio and investment objectives, and developing a thorough assessment of risks and exposures.
Professionally managed portfolios are designed to support each client in achieving their goals. Each investment portfolio includes a balance of varying asset classes to reflect the client’s specific investment objectives, tolerance for risk, and time horizon. Our investment approach includes making recommendations for appropriately managed professional portfolios that seek to optimize risk-adjusted returns.
We also provide investment strategies and solutions specifically designed for taxable portfolios. These strategies and solutions are designed to reduce realized capital gains and income relative to non-tax-managed portfolios. There is an emphasis on tax-free income and on strategies to harvest losses to offset realized gains – minimizing distributions to the shareholder. The objective is to help you keep more of what you earn.
Additionally, we collaborate with our clients’ tax and legal professionals to help insure investment decisions are made in context with their tax and estate planning needs in mind.
When life goals change with time or as fluctuating market conditions alter the plan's results, the Envision® planning process offers the flexibility to make adjustments as necessary.
Our Envision process also offers clients an effective way to identify highest-priority goals and develop an investment plan designed to deliver the wealth needed to live their desired life. Instead of tracking each portfolio’s performance against a standardized index (such as the S&P 500), we monitor progress toward achieving goals based on a customized strategy. It includes: