Our Services

We serve individuals and businesses in all areas of financial management including:

Investment Planning

Our investment approach

Let’s start by telling you what we are not. We do not sell annuities here. I have seen too many people come here asking for help on how do I get out of these annuities that they have purchased. There are way too many times that clients don’t understand what they purchased.

Individual stocks, Electronic Traded Funds (ETF’s), Corporate Bonds, and   Municipal Bonds make up the lion’s share of our clients portfolio. In our SAM Program (money that I manage), we only offer fully liquid investment strategies that I personally manage through active management. As an example, in today’s world, it is possible that investments might need to be totally moved to a money market. For that reason, there is no outsourcing of investment management to a third party. This reduces your cost and provides quick response to the world that is constantly changing around us.  I also believe that any security that is added to any of our 6 investment models should have daily pricing so that you will always have access to your money. We do not invest in hedge funds as well.  WE use three subscription services for information that most people do not have access to. It is costly, but in my opinion, their information is worth the cost.

As far as fees go, we will be cost competitive and fully transparent.   The fee structure will be tied to your account value. Our goal is to make you satisfied to the point that you like to talk about us to friends and family. Our growth is tied to your satisfaction!

LPL Financial as our Broker Dealer

LPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation, representing more than 14,000 independent financial advisors across the country.* It is also a publicly traded Company.  They provide WRV Wealth Management, the professional structure/software for a smooth, efficient, compliant operation.   They have service centers on the east and west coast. I hope that you will enjoy your LPL statements as much as I do.

Because LPL Financial does not offer any proprietary products, I have the freedom from being Series 7 Licensed and 66 Licensed, held with LPL Financial, to offer objective financial guidance  and investment recommendations for fee based investments and brokerage(commission based) investments.  We can set up accounts for:

  •  Rollover IRA’s
  •  Traditional IRA’s
  •  Roth IRA’s
  •  Trust account
  •  Individual accounts
  • Joint accounts
  • Corporate Accounts

* As reported by Financial Planning magazine, June 1996-2020, based on total revenue. 

Business and Small Business strategies

We use a wide range of strategies to help your business. We have Strategic Alliances if needed, which makes it convenient when you set up 401K’s, SEP IRA’s,  Simple IRA’s, Individual 401K’s. 

Retirement planning

We help you create the strategies that could help you retire and not use your principle. Our firm believes that retirement should be planned as if it is a 30 year vacation. Investment dividends, not principle should be spent. We stirve to plan for your retirement accordingly by determining how much money you need to retire comfortably. We will then periodically (quarterly) consult with you to make any appropriate adjustments and assist you in keeping your retirement on track to meet this 30 year need.

Estate Planning

We use a leading Elder Law Attorney for Wills/Trusts, Durable Power of Attorney, and Health Care Directive. We can then customize your investment estate using directions from your attorney.