Our Services

401k Rollover

Roth IRA

Financial Planning

Exchange Traded Funds

Some of the most commons services I provide are advice and management of 401k rollovers, Roth IRAs, SEP IRAs and many other retirement accounts.  I help clients select the most appropriate plan and then set up an investment strategy.

I handle many financial planning issues in house.  For clients that need comprehendive financial planning issues I refer clients to a highly qualified Certified Financial Planner.  Comprehensive planning includes insurance, tax and estate planning. 

My services are available for individuals, families and businesses. I manage the full range of taxable, retirement, trust and college savings accounts.

"Since so many advisors and planners offer the same services what makes your firm different?"

I do many things that most advisors can't do and I do many things that most advisors don't want to do.  Because of my 16 years of experience as a floor trader I understand investing and the markets in a very profound way.  This allows me to select investments and implement strategies in a far more sophisticated way than the average advisor.  Most advisors have to outsource this task because they're just not qualified to select and manage investments. 

In addition many tasks that others can do such as rebalancing and tax loss harvesting are very, very time consuming and are just not done.  In the "conventional" business model these tasks are just too time consuming to be accomplished.  During much of last year (2008) we were rabalancing nearly every day because the market was moving so much every day.  It was very time consuming but we did it and it added a lot of value. 

Here are some of the things that I do for clients that are not typically offered:

• Choose investments that have a fraction of the cost many investors pay.
• Hedge accounts using options. I am an expert. Most advisors know nothing about options or their uses.  Options allow us enormous flexibility.  They also allow us to "short" the market when appropriate. 
• Monitor all taxable investments for "tax loss harvesting." Most advisors don't have the knowledge or the time to perform this important task for clients.
• Monitor for rebalancing on a daily basis. Through the use of good software and commitment by the advisor your account can be monitored and rebalanced daily instead of quarterly or annually.
• Disclosure of all management fees, expense ratios and trading fees.
• Active management of bond/fixed income assets. I watch interest rates and move from long term to short term when appropriate.

I monitor your retirement contributions and cooperate with your accountant to maximize your contributions and to make them early in the year instead of late.

For a more in depth discussion of how we're different call us at 831-336-4367 or via email to schedule a free consultation.

Send a copy of a recent statement for a no obligation review of your current portfolio's cost, risk and performance.