Our approach
Rigorous analysis. Personal accountability.
Effective wealth management begins with understanding who you are, not just what you own. We take time to understand your risk tolerance, your income needs, your time horizon, and the goals that matter most to you and your family — including tax considerations and estate planning implications. Only then do we construct an investment strategy tailored to your specific situation.
The key to effective asset management is creating and maintaining a diversified investment portfolio that is designed to work for you for many years. We manage assets on a discretionary basis, meaning we act on your behalf with the authority to make investment decisions — always within the parameters you've approved and always with your goals as our guide.
How it works
We start with a thorough conversation about your financial life — current assets, income, liabilities, time horizon, and what financial well-being actually means to you. There's no rushed intake form; this is a real dialogue.
Using professional risk management software, we assess your true risk tolerance — not just what you say in a good market, but how you'll feel when markets decline. This shapes the foundation of your portfolio.
We build a diversified portfolio matched to your investor profile, drawing on equities, fixed income, and other asset classes appropriate to your situation. We are custodian-agnostic, though most clients use Charles Schwab.
Markets change, and so do your circumstances. We monitor your portfolio continuously and conduct regular reviews to ensure your strategy stays aligned with your goals. You'll always have direct access to us — not an automated system.
What's included
A comprehensive wealth management relationship
- Discretionary investment portfolio management
- Financial planning — retirement, estate, tax strategy coordination
- Risk tolerance profiling and ongoing reassessment
- Health and elder care financial assessment
- Account aggregation and performance reporting
- Coordination with your CPA, attorney, and other advisers
- Life insurance review and needs analysis
- Access to Charles Schwab custody platform
- Regular portfolio reviews and direct adviser access
- Financial planning software and client portal