Individuals and Families

We serve as both personal portfolio managers and trusted financial partners. See below for some of the ways in which we support our clients across all aspects of their financial lives.

  • Management of all types of accounts including: individual and joint brokerage, IRAs (Roth, Traditional, SEP, Inherited, etc.), trusts, executor, Health Savings Accounts, UTMAs, Keogh Plans, and more.

  • Personalized analysis and guidance on spending, saving, retirement forecasting, and other financial goals.

  • Portfolios are actively managed to enhance after-tax returns by strategically realizing gains and harvesting losses when appropriate.

  • Accounts are held at Fidelity, with secure online and mobile access, seamless account linking, and intuitive navigation.

  • Through our partnership with Fidelity, clients can enjoy the investment, high-yield savings, and checking features — all in one unified account.

Retirement Account Contributions

  • Ongoing oversight of IRAs and other accounts to help maximize savings, tax benefits, and retirement readiness.

Required Minimum Distributions (RMD) Management

  • Proactive management of timing, logistics, and execution to ensure IRS compliance and avoid unnecessary penalties.

IRA Distribution Planning

  • Strategic planning for how and when to draw from retirement accounts — balancing income needs, tax impact, and long-term sustainability.

Employer 401(k) Support

  • Advice on investment choices and contribution strategies — even for employer-sponsored plans not managed directly by our team.

Social Security Optimization

  • Guidance on when to claim Social Security and how it fits into the overall retirement plan — helping maximize lifetime benefits and coordinate with other income sources.

  • Personalized analysis to determine if and when a conversion makes sense — helping grow long-term, tax-free retirement assets.

  • Strategies to build, secure, and transfer assets, leaving a lasting legacy for future generations.

  • Organization and management of inherited assets — including IRAs, brokerage, and other accounts — along with handling required distributions and related logistics that are often overlooked.

  • Thoughtful, strategic giving — using donor-advised funds and other charitable vehicles to create lasting impact aligned with clients’ values.

Accredited Investors

Institutional-grade research and investing with individual attention.

  • We aim to substantially outperform the market with safe, quality securities. Our approach combines rigorous analysis and active portfolio management — without the high fees or lock-up periods. The fact that this is our fifty-eighth year indicates that this approach works.

  • Each position in a client’s portfolio is selected through a research-intensive process built on strict criteria and hands-on oversight. We focus on individual securities with strong fundamentals and long-term potential.

Comprehensive Wealth Oversight

  • Many clients rely on us for full portfolio management — integrating investment strategy, planning, and ongoing coordination across their financial lives. Our approach is guided by disciplined research with demonstrated long-term success.

Strategic Equity Allocation

  • Some clients allocate a portion of their portfolio to our equity strategy — applying the same research-driven process and history of strong results to a more targeted investment mandate.

  • Portfolios are fully accessible and flexible — with no holding periods or withdrawal limitations. Clients retain control and liquidity without compromising performance potential.

  • Tailored support for growing and transferring multigenerational wealth. We help structure family assets with clarity to support long-term stability and prepare the following generations.

  • Meaningful, value-aligned giving. We help clients with strategic planning and tools like donor-advised funds to maximize impact across the causes that matter most to them.

Entrepreneurs, Businesses, and Nonprofits

We support business owners and organizations through active retirement account management, entity structure advising, and long-term financial strategy — all backed by direct experience and hands-on implementation.

Plan Establishment

  • We assist clients in selecting and setting up the appropriate retirement plan —including Roth and Traditional 401(k)s, SIMPLE IRAs, SEP IRAs, Corporate Trusts, and Cash Balance Plans.

Active Oversight and Management

  • Unlike traditional providers, we don’t offer a static list of funds and leave with the onus left on the account holder. We actively review and manage the accounts through our disciplined, research-driven process.

Ongoing Financial Guidance

  • Every plan participant has access to our hands-on financial advice. Our support goes beyond the retirement account to help with a wide range of financial decisions.

  • Our advice is grounded in real-world experience working with entrepreneurs, small businesses, and nonprofits.
  • As a small business that has implemented its own retirement plans, navigated entity structure changes, and managed ongoing financial decisions, we offer more than just technical expertise — we provide clients with a firsthand perspective. Our clients are supported by a team that has faced the same decisions they’re now navigating.

  • Support in evaluating and implementing the most appropriate business structure based on operational, tax, and long-term planning goals.
  • Our goal is to help businesses select a structure that aligns with both their immediate operations and long-term financial goals.

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