Services

Broadening Horizons is our primary aim—enhancing opportunities and expanding future possibilities in the lives of our clients. We have developed a process to Plan, Invest, and Protect the personal wealth of our clients, which includes the following strategies:

Seaway Wayfinder-FlagA1-RGB-optimized
 

 

Plan

  • Envision and define your life’s values and goals
  • Organize your finances into one consolidated view
  • Manage and plan to pay down debt efficiently
  • Retirement income planning
  • Charitable giving strategies

Invest

  • Benefit from employer matching, stock options, pension, and other benefits
  • Shelter investments from the negative drag of taxes
  • Allocate your portfolio in alignment with your risk tolerance and goals
  • Discipline your savings and spending habits, and investor behavior

Protect

  • Prepare for adversity with emergency source(s) of funds and liquidity
  • Insure against potential risks to your long-range plans
  • Hedge against risks such as health care costs, survivorship, convalescent care, etc.
  • Create a legacy where the transfer of assets align with your values and goals

NaviFolios™

Studies have repeatedly shown that the greatest factor in investment performance and risk management is asset allocation. Our proprietary model portfolios, called NaviFolios™, employ asset allocation strategies that are global, tactical, and dynamic. Our models utilize mutual funds that specialize in allocating across multiple asset classes around the globe, working to navigate opportunities and risks that ebb and flow over time. Our NaviFolios™ are available at three levels of risk: conservative, moderate, and growth. They are rebalanced annually. Our NaviFolios™ seek to deliver strong risk-adjusted performance over the long term.

All securities and advisory services are offered through Commonwealth Financial Network, our Registered Investment Adviser-Broker/Dealer. Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved. Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk with your financial adviser before making any investing decisions.