Products & Services
A financial plan is like a flight plan in that it provides you with a vision and strategy to get you to your destination.
Key components that are critical to success are:
Retirement Income Planning
Real Estate Management
The Financial Plan is what pulls it all together.
Planning is a primary focus of our firm. A financial plan can make a huge difference in someone's life, giving them confidence that they may otherwise never achieve. Financial planning is generally an integral part of our investment management services. We also do financial planning as a stand alone service without managing assets. The planning can vary greatly in scope depending on an individual's or family's circumstances.
For those with more limited planning needs, we also provide financial planning services on an hourly basis. These services might include matters such as budgeting, education planning, estate and gift planning and portfolio & asset review. We will not provide specific advice on an hourly basis for investment management, as we do not have ongoing oversight and the ability to monitor the investments for continued appropriateness. Rather, we can provide general feedback on portfolio allocation, drawing attention to strengths and weaknesses.
All initial consultations are always free, so please email or call us at 503-364-9358 to schedule a complimentary visit to determine whether we are the right fit for your needs.
Retirement Income Planning
Retirement income planning is a key component of a financial plan and risk management is crucial to good retirement income planning. Retirement income planning has many different aspects to it. Younger people can typically assume more investment risk as they have longer for the markets to work for them. Balancing risk versus return as you get closer to retirement is critical, but keeping in mind that you could spend 30 years or more in retirement means that you will still need growth in your investments to outpace inflation. Adequate income sources (to include Social Security) need to be in place to cover all critical expenses. Social Security planning is an integral part of retirement planning and has it's own complexities. Some of the tools commonly used for retirement planning include:
- 401(k) Plans
- 403(b) Plans
- Traditional IRA
- Roth IRA
- SEP IRA
- Simple IRA
- Educational IRA
- Money Purchase Plans
- Profit Sharing Plans
All investment management is done with a financial planning focus. We use a diversified asset allocation strategy with risk management appropriate to your circumstances. The majority of our business is discretionary fee-based investment management, where we charge a percentage fee on account values. Typically there are no commissions or sales charges for the investments within this type of account. If changes are made to the portfolio, they are made because we sincerely believe them to be in your best interest. In some types of accounts we are paid commissions on certain types of transactions and we will always be transparent regarding all fees & expenses.
We have access to almost all available asset types and classes, to include:
- Mutual Funds
- Exchange Traded Funds (ETFs)
- Common Stock
- Variable Annuities
- Fixed Income Annuities
- Alternative investments including:
- Real Estate Investment Trusts (REITs)
- Business Development Companies (BDCs)
- Hedge Funds
- Managed Futures
- Private Equity
Security - Insurance
Maintaining adequate insurance is critical to financial security.
Critical to protect families and loved ones, but it also has other very important estate planning, protection and asset transfer uses. Many life insurance options are available, including term, whole, universal and variable life. Life insurance is an important part of what we do to help you secure your and your family's future.
Disability Income Insurance
Important for anyone who is self employed and for employees who may not have access to or have an inadequate company sponsored plan.
Long-Term Care Insurance
A long term care plan which may include specific Long-Term Care insurance is also critical. With increased life expectancies and the rapid increase in the number of people with varying degrees of dementia, including Alzheimer's, a plan is important.
Property & Casualty Insurance
A "must have" and we are happy to refer you to professionals for it.
While we will help with cash management within your investment accounts, we believe it is important for you to have exceptional banking services and we will be happy to provide you with referrals if needed.
While we don't manage real estate outside of Real Estate Investment Trusts (REITs), we believe it is an important part of your financial picture. Therefore it is critical for us to know details of your real estate holdings so that we can incorporate the information into your financial plan. If you are in need of a real estate professional, we are more than happy to provide you with referrals to exceptional real estate professionals that we trust.