How we can help you

Investment Management designed for your unique needs. We never compromise science in favor of fads and keep a forward looking approach to investing. Unlike "robo-advisors", we have the ability to tailor portfolios to your needs, whether that be excluding sectors or securities, focusing on ESG, or simply looking for enough risk and return to meet your goals.

As independent advisors, we are not confined to specific investment choices. Our investment committee selects investments for you based on your goals and resources. We do not sell products and always work in your best interest. 

Integrated Investing among different account types

Standard investment models often do not integrate the risk and return you seek among different account types. We consider the cash flows expected in and out of each account to design an overall portfolio that integrates each unique advantage to holding different types of accounts.

Tax-Managed Investing

Pre-tax return isn't particularly meaningful to investors if that return is eaten away through taxation.  Through our tax-managed investing, we consider after-tax return based on your expected tax rates and design portfolios to capture this return. Along with account integration, focusing on current and potential future taxation is critical to achieving your definition of success.

ESG Investing

Defining what ESG means to you is the first step in this process.  We will discuss the benefits, risks and costs in ESG investing. We can also offer different alternatives within and outside of traditional ESG investing that are based on the most current research.

Income Investing

Our income models are designed for clients who need to produce income from their portfolios.  This will look different for everyone depending on your goals.  We will help you rethink income, as it has traditionally been defined, and build a portfolio that funds your goals in the most tax-efficient manner possible.

Behavioral Investing

Sometimes the best solution, mathematically, is not the best solution for you. By focusing on the behavioral aspects of investing, we design an investment strategy that you makes you comfortable while fulfilling your goals. Our human approach to investing looks beyond the numbers to the people behind them and the results you are trying to achieve.

Enter into retirement with confidence! Retirement Planning includes looking at your goals in relation to your resources and providing realistic options for your retirement. We help answer the most burning questions so you can enjoy your retirement, not stress over it. We stand by your side, helping you make financial decisions that align with your goals.

Do I have enough money to retire?

How much can I afford to withdraw?

How do I invest my retirement funds so they last?

What risks am I taking that I don't even know about yet?

How do I protect my income in volatile markets?

What options do I have for health insurance?

What will an increase in inflation mean for my lifestyle?

What is the best way to gift or transfer funds?

Retirement looks different for everyone. Planning for it should reflect that dynamic nature as your goals evolve. We will guide you through the difficult and exciting life changes that come with retirement. 

Our Fiduciary approach to 401(k) plans involves working with you, as the employer, to design a plan that meets your goals. Whether it be maximizing your owner benefit, employee retention and recruitment, or tax advantages, we've got you covered.

• Institutional Investing:  We design professionally managed portfolios where employees can choose from different options and invest confidently. What about participants who are investment savvy? They can build their own portfolios as well.
• Plan Design: Retirement Plan options can be exhausting and complicated. We simplify the process based on your company's needs to provide the most flexible plan without the additional headache. 
• Plan Compliance: As 3(38) fiduciaries, we share the burden to make sure your plan stays in compliance with ERISA laws and regulations. We work with recordkeeping partners who design plan documents and offer a simple platform for participants to understand.
• Annual Fee Benchmarking Services: It is common for small business 401k plans to be riddled with fees that are born either by the business or the participants.  We benchmark your plan to those of similar size around the country so are know exactly what you are paying for and how it compares.
• Fee transparency:  Full fee transparency and avoiding complicated fee structures are important to ERISA compliance and plan success.  

Retirement plans are great tools for employee recruitment and retention, but a poorly managed, expensive plan can have a negative affect. Contact us to learn more about how we can help your small business run a successful retirement plan!