Wealth Management is our most comprehensive service, through which we provide guidance and assistance to our clients and their families in personal financial matters. We consider the impact of family lifestyle decisions, personal goals and both financial and non-financial issues on the creation, preservation, and eventual distribution of our client's assets. Wealth Management includes our Investment Management, Financial Planning, Tax Preparation, and Consulting services. We meet with our Wealth Management clients, as needed, throughout the year.

Investment Management provides ongoing, active management of our client's investment portfolio. We utilize individual stocks, bonds, mutual funds, or other securities when structuring portfolios. We discuss our financial and investment philosophy while developing a unique "Investment Policy Statement" for each client, addressing the client's goals, risk tolerance, income needs, growth objective, time horizon and other personal considerations. The client's portfolio is managed within the overall guidelines of their Investment Policy Statement. We provide our clients with quarterly performance reports and periodic personal meetings.

Portfolios can be designed to provide for conservation of principal, income, moderate growth, or more aggressive growth, depending on a client's circumstances and objectives.

While each client's situation is different, financial planning provides analysis, guidance, and recommendations in areas such as:

• Family goals and life issues
• Investment analysis and asset allocation decisions
• Education cost funding
• Tax reduction strategies and cash flow management
• Risk management and insurance needs determination
• Retirement funding and distribution
• Estate conservation and distribution planning
• Planning for business interests

We prepare tax returns for individuals, trusts, estates and businesses and provide tax planning and develop tax reduction strategies in areas such as:

• Capital gains and losses
• Stock option exercise planning
• Alternative minimum tax
• Retirement income distributions
• Installment sales and property exchanges

PrimePlus is a unique, customized package of services designed to help older adults or busy professionals maintain their lifestyle and financial independence. We provide or coordinate the services of other professionals in the areas of:

• Fiduciary needs planning  - Powers of Attorney, Trusts, Guardians, etc.
• Long-Term Care Decisions involving: Medicare, Medicaid, Insurance, Annuities, etc.
• Evaluation of housing options in Assisted Living or Retirement Communities
• Monitoring income and expenses or arranging for payment of personal bills
• Assistance in handling insurance claims
• Record and document management and maintenance
• Coordination with providers of transportation, health care, and other personal services
• Communication with family members regarding financial and non-financial matters
• Provding objectivity in decision-making