Broker Check

Private Client Group

Our highest level of service. As a member of our Private Client Group you can enjoy an exceptional level of concierge wealth management with a multidisciplinary team, as well as access to preferred fees and exclusive client events.


Wealth Management

  • Financial and estate planning services at preferred fees
  • Access to a multidisciplinary team able to help with all of your financial planning needs:
    • Investment planning
    • Tax planning
    • Fringe benefit planning
    • Estate planning
    • Cash management
    • Retirement income planning
    • Business succession planning
    • Risk management


Personalized Investment Management

  • Portfolio Stress Test
    • Review of your investment portfolio, with focus on allocation and suitability
    • Analysis of up-capture & down-capture ratio under various market scenarios
  • Design of a personalized comprehensive portfolio, including all investable assets, e.g., brokerage, banking and employer retirement plans, appropriate to your needs and Investment Policy Statement
  • Custom tailored advice
  • Periodic meetings to review and evaluate your investment performance, update your overall financial objectives and, when necessary, rebalance your portfolio allocation*
  • Diversified** and customized portfolios that can include, but are not limited to:
    • Open architecture investment platform
    • Individual stocks, mutual funds and Exchange Traded Funds (ETFs)
    • Corporate, US government and municipal bonds
    • Real estate
    • Income protection strategies
    • Hedging strategies and alternative investments


Family Wealth Planning

  • Life Plan Stress Test®
  • Estate planning
    • Analysis of your current estate distribution plan
    • Identification of distribution goals to family, charity, etc.
  • Family Legacy Program
    • Are your heirs ready to manage wealth?
    • Development of Family Intergenerational Mission Statement
    • Review and discussion of wealth management concerns
  • Advanced planning strategies, including reduction of estate taxes, estate freezing and trust and entity planning
  • Analysis and coordination of the beneficiaries of your retirement plans (401ks, IRAs, Inherited IRAs)
  • Coordination of strategies with your attorney and CPA tax Planning


Tax Planning

  • Comprehensive review of your tax return highlighting possible opportunities for maximizing tax reduction strategies (deduct, defer, divert and convert)
  • Review of your tax situation to incorporate any new tax law changes
  • Consultation with your CPA as needed
  • Discussion of tax solutions including tax-advantaged investments
  • Cash Flow, Retirement Income and Distribution Planning
  • Analysis of your income needs, now and in the future
  • Continued development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living
  • Recommendations regarding effective distribution strategies for your personal investments, retirement plans and IRAs
  • Risk Management
  • Assessment of your current plan in the event of death, disability or long-term care
  • Insurance audit
    • Analysis of your current insurance portfolio for cost effectiveness
    • Review to ensure that all risks are adequately addressed


Client Services and Communication

  • Access to our Wealth Management System, which creates a personalized website with the following features:
    • Secure vault to file electronic copies of important documents such as wills, trusts, deeds, passports, living wills and powers of attorney. Your vault is accessible wherever Internet access is available.
    • Aggregation of all financial accounts providing a living net worth statement and investment portfolio allocation
  • Quarterly newsletter to keep you apprised of the most current life planning opportunities
  • Weekly updates and special reports on pertinent topics
  • Exclusive Private Client Group events and informational forums
  • Financial Help Desk providing advice on areas including but not limited to:
    • Mortgage financing
    • Buy vs. lease
    • Access to USFS strategic alliances: legal, accounting, property, casualty and health insurance
    • Social security
    • Other financial related concerns

*Rebalancing assets can have tax consequences.  If you sell assets in a taxable account you may have to pay tax on any gain resulting from the sale. Please consult your tax advisor.

**Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions. Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this communication, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.