Note: Not all clients require, want or need all services.

1. He cares more about you and your money than anyone who does not share your last name.
2. He asks questions in order to understand your needs and objectives.
3. He helps you determine where you are at present.
4. Guides you to think about areas of your financial life you may not have considered.
5. Helps organize your financial situation.
6. Formalizes your goals and puts them in writing for you.
7. Helps you prioritize your financial opportunities.
8. Helps you determine realistic goals.
9. He studies possible alternatives that could meet your goals.
10. He makes specific recommendations to help you meet your goals.
11. He implements those recommendations.
12. He suggests creative alternatives that you may not have considered.
13. Reviews and recommends life insurance policies designed to protect your family.
14. He prepares a financial plan for you.
15. He assists in preparing an estate plan for you.
16. Helps you determine your IRA Required Minimum Distribution.
17. He prepares an asset allocation designed to achieve the appropriate rate of return for a given level of risk tolerance. *Please be aware that asset allocation does not assure a profit and does not protect against loss.
18. He does due diligence on money managers and mutual fund managers in order to make appropriate recommendations.
19. He stays up to date on changes in the investment world.
20. He monitors your investments.
21. He reviews your existing annuities.
22. He reviews your investments in your company 401(k) or 403(b) plans.
23. He reviews your existing IRAs.
24. Reviews and recommends revisions to portfolios as conditions change.
25. Helps guide you through difficult periods in the stock market by sharing historical perspective.
26. Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
27. Helps you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds.
28. He provides research on stocks.
29. Helps handle exchanges, tenders, and special stock dividends.
30. Holds and warehouses stocks, bonds, and other securities through Charles Schwab and Company.
31. Records and researches your cost basis on securities.
32. He provides you with a written sector-based evaluation of your portfolio.
33. He determines the risk level of your existing portfolio.
34. Helps you consolidate and simplify your investment portfolios.
35. Provides you with alternative investment options, such as, mutual funds, privately managed accounts, and annuities.
36. He provides you with executive services involving restricted stock and employer stock options.
37. He provides introductions to money managers.
38. He shows you how to access your statements and other information online.
39. He provides access to solutions from a major investment firm, Charles Schwab.
40. Suggests potential investment strategies designed to mitigate your taxes during retirement.
41. Helps you stay up to date on tax law changes.
42. Recommends investment repositions to make use of tax law provisions.
43. He monitors changes in your life and family situation.
44. Proactively keeps in touch with you.
45. He remains only a telephone call away to answer financial questions for you.
46. He is a human glossary of financial terms.
47. Makes sure that he and his firm provide excellent service at all times.
48. He provides referrals to other professionals, such as accountants and attorneys.
49. He refers you to banking establishments for loan and trust alternatives.
50. He suggests alternatives that are suitable for you during retirement.
51. Listens and provides feedback in a way that a magazine or newsletter writer does not.
52. Helps educate your children and grandchildren about investments and financial concepts.
53. He helps with the continuity of your family’s financial plan through generations.
54. He facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.
55. Helps keep you on track.
56. He identifies your savings shortfalls.
57. Develops and monitors a strategy for debt reduction.
58. He educates you on retirement issues.
59. He educates you on estate planning issues.
60. Is someone you can trust and get advice from on your financial matters.
61. Is a wise sounding board for ideas you are considering.

*Not all clients require, want or need all the above services