Services: Our firm has the capability to provide services for our clients on a variety of levels. We have evolved to the point where we are selective in the types of clients that we accept into our client base. We only accept those that we are best suited to serve. We do not perform "stand alone" fee financial planning because we feel that it detracts from our primary mission of wealth management. A financial plan is a snapshot whereas wealth management is a process. To that end, we manage investments for all of our fee clients. In addition to portfolio management, as an extension of the normal service that we provide, we also offer clients the ability to tap into our considerable expertise in retirement, pension, disability and premature death planning. More specifically, we can provide the following studies.

• Retirement Feasibility Study This detailed study involves integrating all client assets, retirement programs, spending levels and financial goals to determine reasonable timelines for retirement. It also assists clients in determining whether current savings levels are adequate.
  
  
• Premature Death Study The Premature Death analysis is designed to answer that nagging question of whether or not a client maintains adequate life insurance. The advantage that we bring to our clients is that we don't sell life insurance. This provides clients with the assurance that an unbiased opinion is being offered.
  
  
• Estate Planning Documents We advise our clients on the appropriate structure of their wills, durable powers of attorney and living wills. We interface with a variety of attorneys that we use to develop these documents.
  We do not sell insurance, commissioned variable annuities or commissioned fixed annuities.

Fees: Our annual fee structure is 1% on assets under $1,000,000 and .5% thereafter. The minimum annual fee is $1,000.  Our minimum account size is $250,000, with a limited number of engagements taken at lower amounts for existing client referrals and families.