Investment Management Account

When you open an Investment Management Account with us, we draw upon our sources of research and analysis to manage your money and meet your goals. To begin, we sit down with you and develop objectives for your account based on your income needs, tax status, family concerns, current investments and attitude as an investor.

Every buy or sell decision we make for your account, or if you prefer, every recommended change submitted for your approval, represents our informed, independent judgment of your best course of action. We keep in touch with you on a regular basis to make sure our recommendations match your objectives. We make adjustments to your portfolio if your objectives or needs change and as the markets change.

Living Trusts

Our most comprehensive and versatile financial management service is the Revocable Living Trust. Just as with our Investment Management Account, we begin by developing an investment strategy tailored to meet your individual needs. We implement the plan, providing continuous portfolio supervision and distributing or reinvesting trust income and principal as directed.

As trustee, we can, at your request, move beyond the investment sphere. For example, we can arrange to pay household bills and taxes from the trust. Even better, the living trust need not terminate at your death and is a valuable tool if you become incapacitated. Your trust can designate beneficiaries (for instance, your spouse and children) who will receive payments of income and principal as you direct. Any family trust provisions you might include in a Will can be part of your Living Trust. As trustee, we continue to carry out your instructions if you become disabled and after your death.

IRAs

Because of their tax-deferred benefits, IRAs and IRA Rollovers present some interesting investment opportunities. We typically recommend an investment strategy for an IRA or IRA Rollover be developed in conjunction with your overall investment portfolio.

An IRA or IRA Rollover will utilize the services of our Investment Management Account. Additional assistance will be provided to preserve the account’s tax deferral privileges and to calculate required distributions.

Retirement Plans

Your company can look to us to assume an existing retirement plan or for assistance in establishing one for yourself and your employees. We provide documents for plan adoption, investments for contributions, systems for plan administration and training for employee education. Look to us for help with a Profit Sharing, Money Purchase, 401(k) and other types of retirement plans. All services of our Investment Management Account can be a part of your company Retirement Plan and we can serve as trustee of the plan.

Custody

Our most basic service is a custody account. We will safekeep your securities, collect mature or called bonds, make purchases or sales at your direction and take care of all routine investment chores. We distribute funds to you as requested.

We do not provide any Investment Management service but carry out your instructions to buy and sell securities at your direction.

Philanthropy

Several types of trusts provide financial protection for you and your family and support for a favorite charity. There can be valuable income, estate and gift tax advantages to these arrangements that make the creation of these trusts even more interesting. Tax benefits are only available to charitable trusts that are irrevocable, that is, they can never be changed.

If you are interested in benefiting your family and a charity, some of the estate planning tools you might want to consider includes a Charitable Remainder Trust, a Charitable Lead Trust or a Private Foundation.

We can provide Investment Management services and function as trustee for your charitable trusts or foundation.

Investing is our business. We take it seriously. We are well informed and able to help you develop a plan suited to your needs, goals and objectives. We believe sound investment management requires work, attention to detail, objectivity and decisions grounded in experience.

We invite you to learn more about our services and determine if we can be of assistance to you and your family.

To find out more, please contact us.