Services

We offer complete financial planning services as well as investment advice and wealth management for the individual investor.

Investment Services

Investment Policy Statement

We create an Investment Policy State­ment for each client. This document describes how we work with client assets. It identifies restrictions on asset allocation and defines due diligence with respect to selecting investments. The IPS also identifies specific client and adviser responsibilities. A proposed portfolio of specific investments usually accompanies the IPS.

Wealth Management

We offer two ways to help you make the most of your assets.  The Portfolio supervision arrangement is for clients who want us to design and oversee their portfolios, reporting to them monthly and meeting with them at least annually to review, assess and rebalance the portfolio in light of changes in the market and in their lives.  No changes are made in the investments without the client's present consent.  All services performed for the client are covered by a management fee.

Portfolio supervision	We create your Investment Policy Statement.  We oversee your investments, reporting to you monthly and meeting with you at least annually.
Financial consulting	You manage your portfolio.  We bill you at an hourly rate to review your portfolio and offer investment advice consistent with your objectives.

Alternatively, clients may choose to view the adviser as a financial consultant.  Under this arrangement clients receive assistance in setting up a diversified portfolio which they oversee themselves.  At their discretion, clients can meet with the adviser periodically to review the balance and relevance of the portfolio.  A client may receive a financial plan, a retirement projection, or a cash flow projection as a one-time service.  All consultant services are billed at an hourly rate.  Refer to our Disclosure for current rates.

Financial Planning Services

We offer the full services of a Certified Financial Planner™.  All financial planning services are included in the assets under management fee and are available on an hourly basis for financial consulting clients.  Services frequently requested are:

Retirement Plan

Basically this is a projection to determine feasibility and conditionals of retirement at a given age.  We employ a projection that includes a randomizer to simulate hundreds of variables in market return and life expectancy.  This offers clients a more realistic evaluation than a flat "yes" or "no" based simply on an assumed annual rate of return .

Cash-Flow Projection

To help clients determine the long-term effect of a proposed major change in income or expenses, we offer a cash-flow projection report.  Many clients find this especially useful when evaluating a major purchase, such as a new home or vacation home, in relation to future college costs and retirement.

Estate Plan

This involves gathering and preparing information - including an illustration of the tax-saving benefits of various trusts - for the execution of a will or trust by an attorney.  We have no business connection with any attorney although we have worked with several in this community.  We can also review and evaluate existing or proposed estate plans.

Life Planning

Life Planning is the way we work with clients as whole people.  The effects of a financial situation permeate all aspects of life.  Our knowledge and skills can help a client through the financially stressful times that occur even in carefully managed lives.  As lives change we may offer connections to other services as well.

Copyright © 2003-2008 Victoria M. Lechner. All rights reserved.