Our Services as a Registered Investment Advisor

Income Planning:

  • Income tax effective asset positioning
  • Intelligent income harvesting
  • Managing taxes, timing and fees
  • Professional Asset Management

Estate Planning:

  • Revocable and irrevocable trust planning
  • Fiduciary and custodial services
  • Income and estate tax effective insurance planning
  • Tools for tax reduction and asset protection:
  • Grantor Retained Annuity Trusts
  • Self-Canceling Installment Notes
  • Qualified Personal Residence Trusts
  • Charitable Lead or Remainder Trusts
  • Family Limited Partnerships
  • Intentionally defective grantor trusts

Insurance Planning with Life, Disability and Long Term Care:

  • Tax efficient premium funding
  • Tax effective benefit delivery
  • Estate Tax Planning
  • Estate and Business Succession
  • Collateral Assignments

Professional Asset Management and Transparent Platforms for:

  • 401(k)s
  • Profit sharing plans
  • Defined benefit plans
  • General Accounts
  • IRA’s
  • Individual asset management accounts

Business Succession and Continuation:

  • Short and long term succession directives
  • Buy sell agreements
  • Group Guaranteed Insurance
  • Tax deductible Disability Insurance
  • Long Term Disability Insurance
  • Key Person Insurance
  • Stock redemption design
  • Nonqualified planning
  • Limited Partnerships
  • Grantor Retained Annuity Trusts
  • Profit Sharing Owned Life Insurance
  • Excess disability coverage

ERISA Plans:


We create a liaison with you and your providers to facilitate ease of communication.  You will also have direct contact with the investment advisors to handle participant specific needs and or to answer questions.


Cost comparisons can be somewhat difficult in that often times fees within plans are paid indirectly and are not always transparent.

Our platform is designed to be totally transparent, efficient, and competitive.  We will make sure you actually see every expense and pay only for services and benefits used, and cost and performance will be measurable.


All of us who serve as fiduciaries are guided by the Uniform Prudent Investor Act (UPIA) and its sister Act the Uniform Prudent Trustee Act.  In both Acts, Modern Portfolio Theory (MPT) is repeatedly referred to, in fact it is the reason for the restatement of the Prudent Man Rule and the UPIA.

MPT tells us that any portfolio can be designed to be efficient based on any selected amount of risk taken.  It also tells us how to blend asset classes in relative terms to create this efficiency.  Success is measured by how well the manager designs and maintains the portfolio based on MPT.

Our Investment Advisors follow the discipline strictly and disclose initially and on a quarterly basis how they are performing based on deviation from the “perfect” portfolio.