Knowing exactly where you are and where you want to be is essential. Understanding what it will take and how to get there is a truly vital part of achieving your dreams. Our comprehensive planning and wealth management services can help you to develop a personalized road map for success. We will provide our professional experience and guidance every step of the way.
Your journey to success begins with proper planning and is achieved by following a disciplined approach designed Just For You.
OUR PROCESS is to carefully evaluate your complete financial situation before making recommendations. This begins with the discovery process in which we learn all we can about your unique financial situation. Next, we carefully construct your financial roadmap. We gather key data such as your financial net worth, tax situation, debt obligations, and risk tolerance as well as your personal goals and business/career objectives. Using this knowledge, we work with you to create an individualized and comprehensive plan to help you work toward financial success. When needed, we will happily work with your other advisors, such as attorneys or insurance agents. During every step of the process, we carefully explain each financial component and answer your questions.
Once your financial plan is in place, we periodically review your plan for needed adjustments. Our lives and the financial markets are in constant change and financial plans are a “work in process”. We will make that process easier for you and help you every step of the way.
We provide professional portfolio management and a variety of advisory services to assist our clients in the management of their investment portfolios. Our disciplined investment process is customized for each client and utilized to establish guidelines for the portfolio construction process and targets for the on-going management of their portfolios. All portfolios are monitored and managed based on the client’s personal risk tolerance, time horizons, liquidity, income needs and other relevant factors to help provide the best opportunity to meet the objectives and goals of their portfolios.
As a wealth advisor, I rely on my experience to assist in the development of core investment strategies and recommend the use of the same principles that were awarded the Nobel Prize in Economics as a backbone to customize each client’s portfolio. We seek to maximize long term returns while minimizing short term risk through proper portfolio diversification. This diversification involves an asset allocation strategy to reduce the overall risk of the portfolio by spreading risk across and within different asset classes. Close attention is paid to asset correlations with the goal of achieving and maintaining efficient portfolios that produce high returns for an accepted level of risk.
Our goal is to be an independent resource that offers unbiased advice based on solid fundamentals and not cookie-cutter formulas.
Because of our independence, our clients know we have access to a full roster of non-proprietary products and a complete menu of unbiased wealth management solutions.
Our independent association with Money Concepts provides direct access to one of the largest product lines in the industry. This enables us to make unbiased recommendations utilizing quality investments and planning solutions.
The flexibility we enjoy facilitates our ability to customize strategies, while providing our dedication to service.
Our commitment is to help you determine your financial goals and to develop a plan to help you achieve those goals. We will strive to keep you focused on where you want to go and remind you how to get there. We will emphasize the importance of maintaining a disciplined approach to achieve your goals.
We’re committed to helping you meet your own unique challenges, objectives and financial goals. We pride ourselves on providing personalized service based on our can-do attitude. Our promise is to treat you with the individual care and respect you deserve. You can always expect our commitment to the highest level of professionalism with a constant eye on the details.
One of our goals is to keep you up-to-date and educate you all along the way via our monthly Client E-Newsletter, and our on-going series of wealth management strategy letters.
As always, we take satisfaction and extreme pride in the reputation we’ve built by providing seamless service and making recommendations we believe are in the best interest of our valued clients. I am looking forward to a long and successful relationship. Contact me today!
Important Investing Information: Not all investments and services mentioned are available in all states. Money Concepts registered representatives are restricted to conduct business only with residents of a state and/or jurisdiction for which they are properly registered. When investing from outside of the United States, you are subject to the securities and tax regulations governing your jurisdiction. Contact us directly for detailed information about investment regulations outside of the United States. Registered Representatives State License Disclosure
note: Citizens Union Bank is an independent firm and not affiliated with Money Concepts