NO INSTANT/”PUSHBUTTON” PORTFOLIOS: Clients open accounts at varying times – different points in the economic and market cycle. Their ages vary as do their goals, needs, and tolerance for risk. Thus their portfolios should not be composed of the same holdings. This “model portfolio” approach, common today is certainly efficient from a business point of view but this is not a business. It is an investment counseling profession and these are clients – not customers. After almost forty years many of them are friends and family. I build portfolios opportunistically and carefully over time taking the above into consideration. I am an independent thinker and invest in research from professionals that are independent and free from the conflicts of interest and bias that accompany the mix of business so common to big investment banks. 

We are often asked what our risk tolerance is, if we have saved enough for retirement, and if we are on track to reach future goals. Those are important questions, but where do the answers come from? Risk tolerance can be driven by goals or goals can be driven by risk tolerance. Which approach is best for you? Marian takes clients through a detailed planning process so they can be confident in their answers. She believes that with financial planning her clients have the information they need to make better decisions resulting in a more enjoyable lifestyle.

Some experts estimate there are over 630,000 publicly traded companies in the world. How are people supposed to know which ones are good, bad, or mediocre? Scott has a true passion for portfolio construction and matching the right mix of investments for each client to help give them highest probability of success. Scott specializes in working with established individuals and families with generational wealth management.

Decades of experience and focused education allow us to construct and manage portfolios of individual stocks, bonds, and other appropriate investments. The portfolios built are designed to support the goals our clients communicated to us through the financial planning process - without taking on unnecessary risk. Communication and service keep us focused on what is really important to you.