"This client is living largely from their investment capital. They need a portfolio that grows enough to shelter them from the risk of inflation, but with down-side risk strictly controlled. Estate planning issues often influence the structure of their accounts. "
"This client is living largely from their investment capital. They need a portfolio that grows enough to shelter them from the risk of inflation, but with down-side risk strictly controlled. Estate planning issues often influence the structure of their accounts.
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"This client has a few years before retirement. Their portfolio is more growth oriented. Since they will not need access to their capital now, more portfolio volatility is tolerable. We also help them choose from among the investment options of their employer retirement plan. As they approach retirement, key issues start to change. At this time, they need to take another look at their retirement and estate plans. "
"This client has a few years before retirement. Their portfolio is more growth oriented. Since they will not need access to their capital now, more portfolio volatility is tolerable. We also help them choose from among the investment options of their employer retirement plan. As they approach retirement, key issues start to change. At this time, they need to take another look at their retirement and estate plans.
"These clients look to us for support in several ways. This client usually has limited investment experience and is going through an emotionally challenging time. We may invest in a very low-risk "comfortable" portfolio until we have time to go through an educational process about investing. As he or she becomes more knowledgeable and emotionally ready, we gradually change the structure of the portfolio to meet his or her long-term objectives. "
"These clients look to us for support in several ways. This client usually has limited investment experience and is going through an emotionally challenging time. We may invest in a very low-risk "comfortable" portfolio until we have time to go through an educational process about investing. As he or she becomes more knowledgeable and emotionally ready, we gradually change the structure of the portfolio to meet his or her long-term objectives.
"We are assisting this client in the management of their retirement, pension and benefit package. These clients are focused on establishing affordable strategies to attract and retain valuable employees. In implementing these strategies they are concerned with employee financial education. In some cases contingency planning and business succession planning is appropriate. "
"We are assisting this client in the management of their retirement, pension and benefit package. These clients are focused on establishing affordable strategies to attract and retain valuable employees. In implementing these strategies they are concerned with employee financial education. In some cases contingency planning and business succession planning is appropriate.
"This client is extremely busy and may be relatively young. Things are happening fast in their life, and they need a "personal CFO" to manage their new-found wealth and determine how hard they must make their portfolio work. Depending upon their lifestyle and financial goals, this client usually desires comprehensive financial counsel in order to be able to pursue other interests. "
"This client is extremely busy and may be relatively young. Things are happening fast in their life, and they need a "personal CFO" to manage their new-found wealth and determine how hard they must make their portfolio work. Depending upon their lifestyle and financial goals, this client usually desires comprehensive financial counsel in order to be able to pursue other interests.
"Recent changes in federal fiduciary statutes require trustees to conduct investment affairs with substantial experience. A client comes to us because he or she is the trustee for a recently deceased relative or friend, administering significant assets on behalf of multiple beneficiaries. We create an investment policy to protect the trustee from investment liability and manage the trust funds based on an assessment of the needs of all beneficiaries. "
"Recent changes in federal fiduciary statutes require trustees to conduct investment affairs with substantial experience. A client comes to us because he or she is the trustee for a recently deceased relative or friend, administering significant assets on behalf of multiple beneficiaries. We create an investment policy to protect the trustee from investment liability and manage the trust funds based on an assessment of the needs of all beneficiaries.
"Often we wait till we have a family to think "long term". Responsibilities like college educations suddenly become top priority. This client comes to us to help them fit "saving for college" into their budget. We start talking about retirement planning too because the earlier you start saving the easier it is to accumulate the nest egg you need to live a financially independent life. "
"Often we wait till we have a family to think "long term". Responsibilities like college educations suddenly become top priority. This client comes to us to help them fit "saving for college" into their budget. We start talking about retirement planning too because the earlier you start saving the easier it is to accumulate the nest egg you need to live a financially independent life.