Investment Management

We offer clients a wide range of investment services utilizing mutual funds, exchange traded funds (ETFs), unit investment trusts, and separate accounts. Our models are tailored to suit our clients individual needs and goals, and are built within an adaptive, flexible framework that attempts to maximize opportunity while limiting risk. Our clients receive monthly account statements any may view their accounts in a secure environment online. We do not exercise discretion over client accounts, but we have access to many separate account managers that offer discretionary strategies.

Annuities

Depending on a clients individual risk tolerance and investment objectives, we may utilize Fixed, Fixed-Indexed, or Immediate Annuities as part of a well diversified portfolio. We offer products from more than 40 highly rated insurance companies and work closely with the client to select the product that fits their needs.

Life Insurance Services

A properly structured life insurance strategy may be the most important part of a complete financial plan. We guide clients through a hassle-free process that considers Term, Whole Life, Universal Life, and Indexed Universal Life insurance solutions to protect family and loved ones. By reviewing our client's old life insurance policies, we are regularly able to increase or maintain coverage while reducing or eliminating premiums.

Long-Term Care Insurance Services

A long-term care incident can represent a significant cost, even for very large estates. Over the years, we have helped many of our clients select an Asset-Based or Premium-Based Long-Term Care Insurance solution that will allow them to get the care that they want when they need it. The Long-Term Care Insurance market is rapidly adapting to provide highly flexible products that can be designed to provide complete coverage at a very reasonable price.

Alternative Investments

Investments in alternative asset classes or strategies such as timber, energy, precious metals, real estate, private equity, collateralized notes, or managed futures have the potential to provide balance and reduce overall portfolio volatility. These investments may not be suitable for all investors and we recommend modest allocations in client portfolios where appropriate.

Income Strategies

We employ a variety of sophisticated income models to help our clients design a strategy for retirement income. These models are designed to be systematic and tax-efficient, allowing our clients to enjoy the retirement that they've always dreamed of.