Services

We are a wealth advisory team for a select group of positive and optimistic individuals at or near retirement, who aspire to live financially independent, happy and less worried, knowing everything is looked after.

First and foremost, we get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, risk management, estate conservation, and preserving wealth.

We believe in thinking “out of the box” and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment and efforts are focused on you, the client, and your satisfaction.

Our belief is that an investment portfolio is simply a tool for the realization of your goals. After your portfolio of investments is created, our focus turns to behavioral coaching as we work together through the changing events in your life. We will help you avoid the mistakes that people make when dealing with the things in life that we can’t control.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

We’ve developed and refined a process to help our clients achieve their goals throughout the changing times in their life. We call it the Seasons FORMula. By putting all of the pieces in place, this process allows our clients to look to the future with anticipation instead of apprehension. While getting the things in order that we can control, our process also helps to prevent most of the mistakes that people make when dealing with the things in life that we can’t control.

Aside from financial planning and investments, we are confident our most important service to our clients is behavioral coaching. Walking with our clients through the changing seasons of their life, we deter them from making some of the most common investing mistakes: 

• Panic
• Overconfidence
• Under Diversification
• Over Diversification
• Speculation/Trading
• Investing for yield instead of total return
• Leverage
• Using cost basis to determine asset allocation