Wealth Management

Asset management is a complex and multifaceted ongoing process. Bringing a wealth management firm on board lets you continue living your life while having the peace of mind that comes from knowing that your financial planning is in skilled hands.

We help you understand your investments and how to yield results that are in line with your long-term goals. We assist our clients in diversifying their investments and building valuable portfolios that deliver increasing returns in the years to come.

Discover the Security of Professional Asset Management

We take pride in developing and maintaining long-term relationships with our clients, so you can rest assured that we will be there with you every step of the way. Our experienced professionals will maintain flexibility so that your personal wealth management plan will have the best opportunities for growth, and will also take on risk management.

This removes the uncertainties from asset management for you. There is no need to take uninformed or dangerous chances with your investment portfolio or any other assets. There are only advantages to hiring our skilled wealth management firm, and here are some of the services that we will provide you with and help you understand.

Stocks and Bonds

  • Bonds: Bonds are a type of investment where the investor loans money to a corporation or government. Bonds have a predetermined repayment date and a fixed interest rate.

  • Government Securities: This low-risk security is a type of bond issued by a government entity; the government will repay when the bond matures.

  • Treasury Bills: Also known as T-bills, these can be sold for terms lasting up to 52 weeks. When the bills mature, the investor will receive their face value, regardless of how much she paid initially.

  • Treasury Notes: A treasury note is a government-issued, fixed-interest security. Investors can buy treasury notes with either competitive or noncompetitive bids, and the notes have a maturity time of one to ten years.

  • Common Stock: This type of security gives an ownership share of a corporation to the investor. Common stock holders can participate in corporate governance by voting.

IRAs

  • Educational IRA: This form of IRA serves as a savings plan for college and other higher education; when a child is under 18, guardians can make nondeductible contributions, and when funds are withdrawn for education, the withdrawal is not taxed.

  • Traditional IRA: Traditional IRAs are used to save for retirement funds. A person can make tax-deductible contributions, and the traditional IRA funds will not be taxed until distribution.

  • Roth IRA: Another way to save for retirement, Roth IRAs have the benefit of tax-free withdrawals. They must be funded with already-taxed income.

  • SEP IRA: A “simplified employee pension individual retirement arrangement” is an IRA that business owners can use to save for and give retirement benefits to all employees of the business (as well as for the owners themselves).

  • Simple IRA: Another option for people employing others or themselves, employees with this kind of IRA can contribute wages to it before the wages are taxed.

Other Investment Accounts

  • Brokerage Accounts

    • An investor and a brokerage firm must contract to create a brokerage account, whereby the brokerage firm takes over the funds the investor provides. The investor continues to own the assets, and uses the brokerage to make investment changes.

    • There are both full-service brokers as well as less comprehensive or “discount” brokerage firms and accounts; investors can choose what kinds of options are best for their situations.

    • If an investor is interested in comprehensive, full-range financial planning and services to support his brokerage account, he should contract with a full-service brokerage firm. The investor can then choose a discretionary or non-discretionary plan.

  • Variable Annuities

    • Variable annuities are a mechanism allowing investment in smaller “subaccounts,” including bonds and stocks.

    • This kind of annuity contract lets an investor gather tax-deferred capital. It is different from a fixed annuity because it does not guarantee interest rates or minimum payments. Instead, since variable annuities allow investors to invest in equities and bonds, they can therefore possibly generate higher returns than fixed annuities.

    • The possible risk of variable annuities is that subaccounts may not generate higher returns than fixed annuities may guarantee. The investor takes the chance of less capital accumulation under these circumstances.