A dually-registered business model provides us with the best of both worlds: an RIA platform for fee-based business and a broker/dealer relationship for commission-based securities and insurance business. This gives us access to a full menu of wealth management solutions designed to better serve our client’s needs. We provide investment management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations, and business entities.
Clients can engage us to manage all or a portion of their assets on a discretionary or non-discretionary basis. We primarily allocate clients’ investment management assets on a discretionary and/or a non-discretionary basis among mutual funds, ETFs, individual stocks and bonds, and options in accordance with the investment objectives of the client. We also provide advice about any type of investment held in clients’ portfolios.
We may render non-discretionary investment management services to clients relative to variable life/annuity products that they may own, and/or their individual employer-sponsored retirement plans. In so doing, we either direct or recommend the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product.
We tailor our advisory services to the individual needs of clients. We ensure that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance.
For those clients to whom we provide investment management services, we monitor those portfolios as part of an ongoing process while regular account reviews are conducted on at least a quarterly basis by one of our investment advisors.