You can’t get to your destination if you don’t have a map. That’s true generally but it also works as a metaphor for your financial life.

When we sit down with you, we ask, “Where do you want to go?” That’s the most important question we ask. It tells us where you are in your life. It lets us know, “Are they trying to accumulate wealth or distribute it throughout their retirement?” It tells us your risk tolerances.

Once we know your goals, and we know what state your finances are in currently, we can create a plan for you and present our recommendations. There’s rarely one way to get from Point A to Point B. We provide you with the pros and cons for scenarios; we help you make a comprehensive wealth management plan. Once you’ve heard our proposals, you make the final decision on what we put into practice, together.

We don’t disappear. Once we have your plan, we’ll continue to help you stick to it, and if the need arises, we’ll help you reevaluate your needs. We’re an independent firm—that means you’re never alone. We’re always here to put your best interests first.

At the same time, we think investing advice still means something to clients—and we personally believe advisers do add value to plans and portfolios. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices. It’s all about listening, planning, executing, and monitoring the plan we have in place in partnership with the people we serve.

Research¹ has consistently found the best way to maximize returns across every level of risk is to combine assets and allow individual securities to generate alpha. Assets fall under three broad categories—stocks, and cash equivalents or money markets—but could also include property or real estate, commodities, futures, and cryptocurrencies, to name a few.² Once we understand a situation, we can begin to construct a plan, using different asset classes and instruments, products and services, to deliver a holistic strategy.

What we recommend to a client depends on that client’s specific, individual needs. There is no such thing as a one-size-fits-all approach in wealth management.

No two careers follow the same trajectory. Following that, no two retirements are quite the same, either. Everyone will have different goals, needs, and strategies.

We take the time to listen to your needs and formulate a plan to take you from the accumulation phase of your life to the distribution phase. According to one study, 43% of people in America aren’t afraid of being bored, unable to travel, or dying in retirement—their #1 fear is outliving their money.¹ That number jumps to 60% when you look at Baby Boomers. These fears, according to the data, are justified: People in their 50s have only saved an average of $117,000 for retirement. Experts say a “healthy” retirement savings account would have something like six times a person’s current salary.¹ This disparity, to say the least, is striking.

Whatever your plan, and whatever your retirement goals, our firm could help you put together a retirement income plan. We’re ready to listen; we’re ready to lend our experience.

You can’t get to your destination if you don’t have a map. That’s true generally but it also works as a metaphor for your financial life.

When we sit down with you, we ask, “Where do you want to go?” That’s the most important question we ask. It tells us where you are in your life. It lets us know, “Are they trying to accumulate wealth or distribute it throughout their retirement?” It tells us your risk tolerances.

Once we know your goals, and we know what state your finances are in currently, we can create a plan for you and present our recommendations. There’s rarely one way to get from Point A to Point B. We provide you with the pros and cons for scenarios; we help you make a comprehensive wealth management plan. Once you’ve heard our proposals, you make the final decision on what we put into practice, together.

We don’t disappear. Once we have your plan, we’ll continue to help you stick to it, and if the need arises, we’ll help you reevaluate your needs. We’re an independent firm—that means you’re never alone. We’re always here to put your best interests first.

At the same time, we think investing advice still means something to clients—and we personally believe advisers do add value to plans and portfolios. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices. It’s all about listening, planning, executing, and monitoring the plan we have in place in partnership with the people we serve.

Research¹ has consistently found the best way to maximize returns across every level of risk is to combine assets and allow individual securities to generate alpha. Assets fall under three broad categories—stocks, and cash equivalents or money markets—but could also include property or real estate, commodities, futures, and cryptocurrencies, to name a few.² Once we understand a situation, we can begin to construct a plan, using different asset classes and instruments, products and services, to deliver a holistic strategy.

What we recommend to a client depends on that client’s specific, individual needs. There is no such thing as a one-size-fits-all approach in wealth management.