Helping people plan for and reach their financial goals is my primary objective.

The role of the financial advisor has evolved since I began in 1988. As a stock broker, the approach was singular and all about buying stocks. Today, as a Registered Investment Advisor, the approach is more about understanding your entire financial picture and giving counsel based on what’s best for you.

I believe it is imperative to know my clients extremely well.

This personal relationship is more than just a luxury of working with an independent advisor, it is essential to providing you the highest quality advice, tailored to your preferences about everything from when and how you want to be contacted to the risk in your portfolio.

I believe in active, rather than passive portfolio management, adding value through:

• Strategic asset allocation: Each client has their own allocation mix. I use quantitative modeling that measures expected rates of return against risk, volatility and the expectations of the each client. This will develop the basic scaffolding for the blend of the various financial asset classes.
• Security and asset selection: I compare security types to insure proper representation within each asset class. I utilize an “open architecture” platform that allows me to utilize individual securities as well as mutual funds and exchange traded securities.
• Risk Control: Working as an advisor for 27 years has given me insight that helps me understand each client’s unique risk profile. During each phase of the planning process, risk is addressed. I work with you to understand what risk means to you, before your first dollar is deployed.
• Tax Sensitive Management: Special care is taken to understand the tax ramifications for each portfolio. The location of the asset may dictate the strategy. Ie. If possible, less tax efficient strategies may be utilized in IRAs.
• Customized portfolios addressing unique client goals: Portfolios are constructed to deliver outcomes aligned with your objectives. I can help set realistic goals and then make adjustments as things change.