I Help Investors

• MAXIMIZE THEIR INCOME
  • To prepare my recommendations for retirement income, I assess each client's need for income, the sources of their current income, and how their income will change in the event of the death of a spouse. Once I review a retiree's sources of income, I will project these amounts out over a twenty-year period. I will also do projections of required minimum distributions from IRAs. When the death of a spouse could cause significant loss of cash flow, I also prepare contingency plans that show how lost income is replaced for the surviving spouse. 
  • Once I have the overall plan constructed, I carefully select investments and other financial products that are designed to fill each client's needs. Sometimes this may mean a portfolio of bonds, preferred stocks or CDs. For other situations, perhaps an annuity is appropriate. My goal is to ensure that my client's financial requirements are always met, and that the plans I have prepared are flexible enough to respond to new and changing circumstances. 
• PROTECT THEIR SAVINGS FROM STOCK MARKET LOSSES
  • While the stock market can be a great source of growth, and a hedge against inflation, I am very mindful that the stock market can also be a source of tremendous stress and risk to a retiree's nest egg. Often I find that retirrees have too much money in the stock market. I help retirees take prudent steps to balance their needs for safety, income and growth.
  • Retirement assets should be deployed in a way that provides more than just principle protection. Protected funds must have the ability to grow, so retirement income can keep pace with inflation. I specialize in providing recommendations to retirees to help them protect their retirement assets.
• INVEST WISELY TO STAY AHEAD OF INFLATION
  • Once I determine the portion of a retiree's portfolio that should be invested for growth, I carefully select an appropriate mix of investments to meet their specific needs. One of the ways I create the opportunity for growth is to build diversified portfolios using no-load mutual funds. I manage these types of portfolios on a fee basis.
  • I place heavy emphasis on no-load mutual funds in my investment portfolios, because they facilitate diversification and minimize exposure to any one individual stock. These portfolios are constructed using a top down and a bottm up investment philosophy. I build the top down portion of the portfolio using well-established asset allocation strategies. After I have selected the portion of the client's portfolio that should be in the market, I then determine the appropriate:
    1. percentages to go into large-cap, mid-cap and small cap stocks
    2. portion to place in the different economic sectors
    3. amount of the investment portfolio that should be domestic and overseas
  • The bottom up part of the investment philosophy is careful screening and selection of no-load mutual funds. I screen no-loads for a variety of characteristics and performance factors. Once I have selected the funds, and have the target allocations for the overall portfolio, I then determine the appropriate percentages in each of the mutual funds (to give us the desired mix of investments for that particular portfolio).
• PRESERVE AND TRANSFER WEALTH TO THEIR HEIRS
  • I am experienced in advanced estate, charitable and trust planning. I listen to my clients to understand the importance of preserving and transferring their wealth to the next generation. Recommendations can be made on different methods available to transfer wealth, while also maintaining control over those funds for the benefit of the beneficiaries. Advice can be provided on different types of estate planning techniques that may be appropriate for a client's situation. Of course, we do not provide legal guidance, but can make referrals to attorneys who can provide legal and related tax advice.
  • And, in response to frequent client requests, I can personally serve as truste, or can be listed as successor trustee, on certain types of trusts. (Listing me as a successor trustee can be done with no upfront cost or obligation.) If a client becomes incapacitated or dies with arrangements in place, I assume the role of trustee to ensure that assets are properly managed for the benefit of my client and his/her beneficiaries. My clients can be assured that their final wishes will be carried out, and that their legacy will be fulfilled, through our continued management and sound stewardship of their trust assets.