Investment Management

We’ll walk through what you need to know and need to do to help achieve your investment goals.

Whether you’re just starting out, have changed employers and are looking for options with their retirement savings, or are investing other money, we’ll serve as your investment guide and manager.

Most of our clients are advisory clients, meaning a fee is charged for us to manage their investments and/or tax efficiency in your account. Advisory clients are the cornerstone of our business and our more hands-on service. We will be monitoring your accounts on a regular basis and adjusting as we see fit. This cost is built into your account and is not paid out-of-pocket by you. 

When you become our advisory client and let our firm manage your assets, we will meet at least annually to discuss your plan and your investments. You will have unlimited email access and will receive on-going market news, investment education and resources.  

We primarily use mutual funds and ETF’s for your investment portfolio, depending on your risk tolerance and goals. We do have other options such as life insurance or annuities for guaranteed income, if these options are a fit for you, we’re happy to discuss this further. 

DISCLOSURES:

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.

Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions, and it may not achieve its investment objective.

Financial planning offered through LPL Financial, a Registered Investment Advisor.

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.​