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Private Wealth Management

We begin by understanding who you are personally and what is important to you, your family’s goals, and your financial situation confidentially to develop a plan to be secure about your family’s future. When creating your wealth-building strategies we go as in-depth as you need whether its basic reassurances or complex generational recurring financial issues.   

We appreciated meeting with our clients as often as necessary, and you will have electronic access to all aspects of your finances at your fingertips through your client portal. Financial plans vary in complexity; however, the main elements typically include:

  • College Planning
  • Retirement Planning
  • Social Security Planning
  • Tax Planning Estate Planning
  • Budgeting/Cash Flow 
  • Options Grant/Awards 
  • Concentrated Stock Positions
  • Risk Analysis
  • Long Term-Care Insurance
  • Disability Insurance
  • Health Insurance
  • Life Insurance

PWM Fees

Wealth Management fees vary by complexity; however, they are typically an agreed upon flat rate based on the scope of work, time, delivery of plan documents, and monitoring needs.     

Sustainable Investment Management

We manage our investment programs through Charles Schwab and/or Interactive Brokers where your assets are custodied. We seek to add value by being disciplined and research-driven, focusing on risk/return expectations with the following objectives:  

  • Alignment of client goals and values to meet financial needs
  • Utilize a rigorous, fundamental and sustainable research process
  • Own complimentary asset classes (Asset Allocation)
  • Know what we own and why we own it
  • Deliver sustainable returns in consideration of inflation, fees, taxes, the environment, and society as a whole
  • Participate in strong economic environments and limiting losses in difficult ones
  • Make proactive decisions
Asset Classes
  • Fixed Income (Bonds)
  • Equities (Stocks)
  • Commodities
  • Hedge Funds
  • Venture Capital
  • Private Equity
  • Real Assets
  • Alternatives
  • Exchange Traded Funds (ETFs)
Investment Acumen
  • Portfolio Analysis
  • Asset Allocation
  • Asset Management
  • Rigorous Research and Market Dynamics
  • Environmental, Social, Governance
  • Sustainability and Advocacy
  • Tax Efficiencies
  • Options Grant/Awards
  • Concentrated Stock Positions

IM Fees

Investment Management Fees are charged on an annual percentage of assets under management, billed quarterly in arrears. The typical fee schedule is as follows:  Under $1,000,000 = 1.25%
Over $1,000,000 but less than $5,000,000 = 1.00%
Over $5,000,000 but less than $10,000,000 = .75%
Greater than $10,000,000 = .50%  

  

Business Owner Planning

Owning and managing a business is demanding and rewarding, I know. Staying focused on top line growth and bottom-line efficiency, providing great customer service and high productivity with healthy, happy, financially fit employees, ensuring your business and your family stay intact should something happen to you or your partners, understanding and preparing for an optimal succession and/or liquidity event for your business, are top of mind issues.

Whether your seeking efficiency in saving, investing, and protecting your business while retaining and attracting talent, seeking an exit, or simply want to have a better understanding of your current retirement plan’s services, fees, or investment option, we can help.
We provide complimentary consultations for:
  • Succession Planning
  • Buy-Sell Agreements
  • Key-Man Insurance
  • Health Insurance
  • Cash Flow Analysis
  • Debt Analysis
  • Valuation & M&A Analysis
  • Employee Financial Wellness Program  
Business Retirement Plans
  • Defined Benefit Pension Plans
  • Employee Stock Ownership Plans (ESOPs)
  • 401(k) PlansProfit Share Plans
  • SIMPLE IRAs
  • SEP IRAs

BOP Fees

Planning fees are typically an agreed upon flat rate based on the scope of work, time, delivery of plan documents, and any monitoring needs. Retirement Plan service fees are charged on an annual percentage rate between .5% and 1% of assets under management, billed quarterly in arrears.  
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