retirement planning services since 1987

Services

Portfolio Management

It would be an understatement to say that family businesses are the backbone of the American economy. Approximately 90 percent of all businesses in this country are either family-owned or family-controlled. They come in all shapes, sizes, and colors; they represent all sectors of our economy. Family businesses generate an estimated one-half of the U.S. Gross National Product and pay half of all wages earned in this country.

In fact, not all family businesses are traditional small establishments. About one-third of all businesses included in the Fortune 500 are family owned and operated. Being a supporter of local family businesses, we understand that they can see some tough days and their statistics are not always rosy.  

Family businesses tend not to outlive their founders. At any given moment, 40 percent of family businesses are in the process of transferring their ownership. Unfortunately, two-thirds of all initial transfers fail. Of the one-third that survives an initial transfer, only one-half will survive a second transfer.

We are living in a time where the stock market seems to be exceptionally volatile because of world events, politics, and its ordinary market fluctuations. Principal protection is arguably the most important service any financial professional can offer you. We examine each client’s unique portfolio carefully, while educating our clients about their options and the steps they can take to potentially lower their risk level.

“Anyone may arrange his affairs so that his taxes shall be as low as possible. He is not bound to choose the pattern which best pays the treasury…. Nobody owes any public duty to pay more than the law demands.” – Judge Learned Hand


Recognizing that no investor wants to pay a cent more in taxes than necessary, we can analyze how certain financial products may make sense for your unique financial plan to minimize your tax burden. Specific strategies offer tax deferral so that you only pay taxes when you actually make a withdrawal. Other products, such as life insurance, also offer the opportunity to utilize tax-free income when appropriately structured.

securing tomorrow's future today
The key to realizing your dreams for tomorrow is by starting to think about them today. Your financial security is our most important goal.
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