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Investment Products:
Not FDIC Insured
No Bank Guaranty
May Lose Value
Individuals & Families—Our Services
Investment Management
Our investment management services are structured to assist you in attaining your most important financial objectives. We do this by managing the uncertainties of the financial markets with a disciplined investment process that combines global diversification, extensive research and active management. We provide investment management services to individuals and families in our capacity as Agent or Trustee for the following accounts:
- Investment Management Agency Accounts
- Rollover IRAs
- Roth IRAs
- Revocable and Irrevocable Trusts
- Charitable Trusts
Our approach to investment management includes the following specific services that benefit our individual and family clients:
Determine an appropriate investment strategy
We create an investment strategy that is consistent with your specific financial goals and feelings toward risk. We record your strategy in an investment policy statement for ongoing portfolio management decisions.
Create a Portfolio Transition Strategy
We transition your investments into the newly defined portfolio for you, taking into account tax ramifications and your sensitivity to the sale of certain securities.
Plan for Cash Flow Needs
We arrange automatic contributions into your investment accounts for ongoing savings, or regular distributions from your accounts to meet ongoing income needs.
Minimize Taxes
We are proactive in identifying opportunities to minimize taxes. For example, we may shift investments that incur higher taxes to tax-deferred accounts. We attempt to avoid short-term capital gains and harvest capital losses to offset gains when prudent.
Monitor and Rebalance Your Portfolio
We regularly review and monitor the investments we have selected, and make asset-class and manager changes when our research dictates. We rebalance portfolios when we consider it advantageous, direct cash inflows into underweighted and undervalued asset classes, and take distributions from overweighted and overvalued asset classes.
Coordinate with Other Professional Advisors
We proactively communicate with your tax advisor, providing tax information about your investments and when appropriate, assist with stock option planning, retirement plan distributions, and other tax-sensitive events. We also coordinate with your estate planning attorney to ensure that account ownership and account beneficiaries are set up appropriately.
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