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What we offer and how we do it.

Portfolio management

Our portfolio design process begins with our attentively listening to your investment preferences. We ask key questions to help us clearly identify these. Our goal is to create the most effective portfolio we can, based on your preferences and reflecting your values and situation.

Process. Our process follows a "buy and monitor" philosophy. We do not trade daily; rather, we trade as necessary. Markets, business cycles, individual companies, and your personal situation will change over time--and we stand ready to act proactively on your behalf.

Sustainability. The concept that is embedded in our values is reflected in our portfolios. We design portfolios that reflect both your desire and our desire for sustainability--sustainability with the resources and wealth you have, in the current world economy. Please visit with us more about how we connect the dots

Financial planning

Benjamin Franklin believed that, "If you fail to plan, you are planning to fail." And, while that might be a bit pessimistic, we restate his opinion this way: Investing in planning increases the odds that you will reach your goals.

After crafting a plan with you, we help you implement your plan. Then we update it as needed according to changes in your preferences or situation.

Business retirement plans

Business owners work with our firm to assist with plan design for retirement plans that help provide employees with a strong benefit and to minimize taxes. Through our independent platforms, we educate plan sponsors regarding potential plan design options.

Business strategy and transition planning

Many of our clients own small-to medium-sized businesses. Some clients may work with our firm primarily for business support. Others may seek our counsel for both personal and business matters;-and for some, the line distinguishing the two may often be absent.

We provide our business owners with these services:

  • Strategy and execution consulting
  • Succession planning
  • Transition planning

Tax planning and preparation

Recognizing that taxation can shrink what you or your heirs keep by as much as half,- we help you confront the 800-pound gorilla in the room. As many have said, "It's not what you make--it's what you keep" that matters. Whether we are designing a portfolio, creating a financial plan, or helping you plan the sale of a business, we integrate tax considerations into the equation.

Fees: We charge a fee for our services that is- typically based on the amount we manage. Staying in alignment with our values, we keep both fees and expenses low. We design portfolios to have low--or--no, ongoing expenses (often referred to as expense ratios) by using: individual stocks, individual bonds, exchange traded funds, and mutual funds. This is the way we design our own portfolios--- and it is the way we design the portfolio that we tailor for you. The planning fee is typically billed hourly. However, we skip the fluff and focus on content to make our time cost-effective for you.

Tax preparation* is billed based on the complexity of the tax return and any other unique requirements of individual clients.

Bottom line: We are transparent with what we charge you to help you manage your financial affairs.

*Tax preparation services are not associated with, affiliated with, or offered by LPL Financial. Tax preparation is offered solely through The Perspective Group, LLC.