- Investment Management
- Retirement Planning
- Long Term Care
- Estate Planning
I am working with clients, from individual investors to large financial institutions, to develop advanced portfolio management strategies to help them achieve specific goals for their own or their institution's financial future.
How I organize my work:
- Help clients navigate today’s evolving markets and identify the opportunities that shape their portfolios and long-term investment goals
- Develop and manage customized solutions for the world’s leading pension plans, sovereign wealth funds, central banks, insurance companies, financial institutions, endowments, foundations, individuals and family offices
- Advise clients on how to allocate assets to meet unique objectives, addressing the dynamic market environment
- Research market ideas and build investment portfolios across a broad range of asset classes
While I have a variety of services for my clients, many are looking for someone to manage their investments (whether these are retirement funds, joint accounts or trusts).
I review each client’s goals, investment experience and risk tolerance, and determine a financial investment plan best suited for that client. To meet my clients' needs I use a variety of methods to properly manage your assets.
A big piece of this process I call "multi-dimensional diversification." This involves multiple asset classes, multiple management styles at both strategic and tactical levels, and often multiple managers.
It’s not going to be your parents’ retirement – rewarded at 65 with a gold watch, a guaranteed pension, and health insurance for life. For many peoples, retiring in this new century is a mystery. Earlier generations of workers could rely on employer-provided pensions, but now many workers will need to rely on their own work-related and personal savings. These savings have to last longer because peoples are living longer, often into their eighties and nineties.
If you are one of those people who want to plan – and are about 10 to 15 years from the day you retire – this booklet is for you. Today’s (and tomorrow’s) retirees may well have a new kind of retirement. With a longer and healthier life span, bikes, boats, planes, and RVs may be part of your life, because you are more likely than previous generations to be an active older American.
Retirement can be a time to explore new possibilities or to slow down and fully enjoy the life you spent your working years building—or it can be a bit of both. Regardless of your path, you want to ensure that this phase is as financially secure and satisfying as it can be—a process that ideally begins with your first job and continues even after retirement begins.
Here, I can take you expert guidance on all the elements that contribute to a good retirement: saving and investing; planning; maintaining your health; identifying activities and work to suit you; and, of course, being a savvy consumer.
Long Term Care
Long-term care involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.
Most Care Provided at Home
Long-term care is provided in different places by different caregivers, depending on a person’s needs. Most long-term care is provided at home by unpaid family members and friends. It can also be given in a facility such as a nursing home or in the community, for example, in an adult day care center.
The most common type of long-term care is personal care — help with everyday activities, also called “activities of daily living.” These activities include bathing, dressing, grooming, using the toilet, eating, and moving around — for example, getting out of bed and into a chair.
Long-term care also includes community services such as meals, adult day care, and transportation services. These services may be provided free or for a fee.
Long-term care insurance is a type of policy which is designed to provide for the financial welfare of an individual beyond a certain period. An example of this can be seen when a common disability package is replaced with its long-term counterpart. Such a plan is commonly seen with individuals who may have chronic illnesses (such as COPD or emphysema) and those who have become physically handicapped. This insurance policy exists in the United States, Canada and the United Kingdom. It can be known by its acronym LTCI or simply as LTI (Long-Term Insurance).
Many people believe they don’t need estate planning because they think they don’t have an estate. Or they think the value of their estate is not great enough to cause estate taxation, so what’s the point?
With few exceptions, everyone has an estate — even the young child with a custodial account in his name and the granddaughter who received a lovely piece of jewelry for her 16th birthday.
Bottom line: If you own something of value that you would pass on to someone else upon your death, you have an estate. Whether you know it or not, you also have an estate plan. The state has one for you free of charge (well, sort of) if you don’t get around to writing a will or designing a plan of your own.
Broadly speaking, an estate plan encompasses the accumulation, conservation and distribution of an estate. A good plan will enhance and maintain the financial security of individuals and their families.
When you’re developing a plan for your estate, it’s important to understand your entire financial picture. That’s where I`m come in. Working with your tax and legal advisors, I will help coordinate your investment strategies to help ensure that your plan reflects your wishes for your legacy.
Complete the form if you’d like to receive my three estate planning guides, which include information about the importance of having certain estate documents, maintaining beneficiary designations, and organizing your financial documents.
Frequently Asked Questions
If you’re going to write checks or use online bill pay, start writing checks from the new account and fund those payments by transferring money from your old account.
Most commonly, individuals seek the help of a Trust advisor for retirement planning. But they can do much more than that. You can get help with college savings, work on household finances and even get out of debt with the help of a Trust advisor.
Absolutely. Clients can work with a licensed financial advisor to pay off their debts and get back on track financially.
Financial advisors have access to programs most individuals can't get into on their own, and they have connections in the financial industry most of us simply don't have.
The help of a financial advisor may be less expensive than you might think. Depending on the help you are looking for, you could be looking at a fee only situation or commission based pricing.
Market risk , or “principal risk” is the chance that a downturn (or a bad investment) chews up your money. It’s there for both stocks and bonds — when interest rates rise, bondholders will see the market value of their paper shrink — and for most people it’s the big bugaboo.
Inflation or purchasing-power risk for most people is the “risk of avoiding risk” — the opposite end of the spectrum from market risk — the possibility that you are too conservative and your money can’t grow fast enough to keep pace with inflation