I provide assistance that is especially designed to match your values and expectations. I am highly trained in helping you link your financial goals with your core values regarding stewardship and social responsibility.
In addition to my inhouse expertise and service I have a rich network of relationships with other professionals and professional associations which enables me to draw on a broad spectrum of tools in serving you.
SERVICE PHILOSOPHY
My services are geared to take the mystery out of investing, managing risk, preparing for retirement, and preserving your wealth. By helping you acquire the information you need to pursue your financial objectives, I establish long and trusted relationships with my clients.
I am committed to providing the highest level of service to the individuals and communities I serve. All of my services are driven by my commitment to meet client needs and goals.
FEES
How I work with clients is driven by what you as my client want to accomplish. My initial consultation is without fee or obligation. Once I determine your goals I charge an hourly fee or a planning fee. For clients with assets under management I have a management fee schedule. Occasionally a commission-based product may be appropriate, particularly for 529 plans, small business retirement plans and certain insurance products. All fees are discussed in full prior to implementation. Aggregate account size mimimum: $100,000.
PLANS AND SERVICES
Personalized Financial Planning
Utilizing time wisely in a free introductory appointment, we can discover whether it would be helpful to you for us to work together in developing strategies for reaching and monitoring your financial goals. As one of my clients, I will commit to helping you to evaluate your current financial situation and develop a strategy to meet your overall short-term and long-term goals.
I believe you have every right to expect competitive returns financially while choosing investment vehicles in line with your values.
My goal is to take the mystery out of investing, managing risk, preparing for retirement, and preserving your wealth. By helping you acquire the information you need to pursue your financial and ethical objectives, I hope to establish long and trusted relationships with my clients.
Estate Planning Services
Establishing means to settle your estate and assuring efficient transfer of assets to your heirs and charitable beneficiaries.
I work with clients to develop and implement an estate plan so that you can take control of how your assets are distributed. You can make sure your values and goals are carried out.
Up to 85 percent of people surveyed underestimate the size of their estate. This can lead to seriously underestimating the level of estate tax exposure.
Insurance is a special concern in estate planning. A $1 million term insurance policy, worth little while you’re alive, is worth the entire $1 million upon your death. If you own that policy, the proceeds usually are included in your estate and a substantial portion may go to the government in estate taxes, not to your chosen beneficiaries.
While Estate tax rates are changing, these taxes have not gone away permanently. Current legislation indicates that 2010 is the only year in which the Estate tax is repealed (while the gift tax remains). It is wise to have a reasonable idea of your asset level and to take prudent steps to protect those assets.
With an estate plan:
You, rather than the state, decide who receives what share of your assets.
You, rather than the state, determine how and when your beneficiaries will receive inheritances.
You name the executor or trustee to manage your estate, rather than having the court make the appointment.
You have a say in what estate taxes and administrative expenses will be paid, rather than face the potential of high adminsitrative expenses and taxes.
You choose who will serve as guardian for your minor children instead of letting the court appoint the guardian.
You control whether to continue or sell your family business rather than having a forced sale that could end the family business and create financial loss.
Retirement Savings
Accumulating tax-sheltered funds for your retirement years.
Using investments that are a match for your risk tolerance and time horizon, I can also select to include or avoid certain types of investments based on your core values and convictions.
Education Funds
Savings systems to provide you with needed cash when your children are ready for college.
Investment Management,
Brokerage Services & Mutual Funds
I offer separately managed fee based accounts for clients desiring the liquidity, flexibility, and customization associated with an individually managed portfolio. All managed accounts are tailored to reflect individual client core values and investment objectives, using proven methods to help clients reach optimal results. Aggregate account size mimium: $100,000.
Occasionally investing funds directly at a mutual fund may make the most sense. With my expertise in which funds meet both an individual's tolerance for risk and your ethical values, I can help you select mutual funds that match your financial and stewardship concerns.
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 One of my investment objectives is to debunk the myth that such values-based investing leads to compromised financial returns.
I believe
you have every right to expect competitive returns financially while using investment vehicles in line with your values.
Disclaimer:
The information provided in this web-site is collected from sources believed to be reliable and I provide no warranty, guarantee, or have liability for its contents. The information to follow is not meant to be investment advice or recommendations, and it is not meant as an offer to buy or sell any security.
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