Our Value


Why work with a financial advisor? Because that relationship may be one of your best investments.

The sustained market volatility and uncertain economic outlook experienced in the spring of 2020 serves as a stark reminder of the value of working with a financial advisor.

A is for Annual rebalancing - When markets are rising calmly, it can be easy to underestimate the importance of disciplined rebalancing. But when volatility strikes, this annual process gets the attention it deserves. What is rebalancing? Technically, it is the periodic buying and selling of assets in your portfolio to maintain your originally desired asset allocation—or mix of investments.

B is for Behavioral mistakes - Most people act like humans, not investors. People tend to let their emotions and other human tendencies influence their decision-making. In many parts of life, that’s perfectly reasonable. But when it comes to investing, acting like a human may actually cost you money. 

C is for Cost of investment-only management - Robo-advisors have been springing up like mushrooms in a bog. These automated platforms provide basic investment management—taking your hard-earned money and purchasing specific funds or securities. The fee is typically minimal, but in most cases all you get in return is an annual statement, a website where you can monitor your portfolio, and a phone number to call in case of questions.

P is for Planning costs and ancillary services  - Advisors advise. That can start with building and regularly updating a financial plan that fits your needs based on your specific goals, circumstances and preferences, conducting regular portfolio reviews, and being available to answer your questions, guide you through market volatility and make recommendations when you go through one of life’s big moments—such as getting married, buying a house, sending a child off to college, or entering retirement.

They can also offer additional services such as investment education, assistance with annual tax return preparation, Social Security and retirement income planning, and helping you make sure you have proper insurance coverage.

Your financial plan is a key element to help your reach your goals. A robust financial plan may incorporate coordination of your multiple financial goals, considerations for investing at different stages in your life, and strategizing with your other trusted professionals dedicated to your financial health. 

T is for Tax-smart investing - When it comes to investing, it’s not what you make that counts. It’s what you get to keep. Your advisor can help you navigate the complex world of tax implications of your investments— asset location across taxable and non-taxable accounts, tax-smart withdrawal strategies, taxable trusts, and more.

Taking a tax-managed approach to investing and incorporating strategies designed to help reduce the impact of taxes on investment returns may help you achieve better outcomes. We believe it’s important to take a long-term view when building wealth. At the heart of this belief is the power of compounding returns. Maximizing after-tax returns can play a big role here.

Since you don’t pay taxes until you realize gains, deferring taxes into the future has the potential to significantly compound returns over time. Since you don’t pay taxes until you realize gains, deferring taxes into the future has the potential to significantly compound returns over time.