OUR SERVICES | Overview
We focus on providing competitive, fee-based wealth management services, and investment, retirement, and financial planning for select individuals, families, and businesses.
What can we do for you?
Chances are, your income is going up, but it is becoming harder to save. Tax laws seem unnecessarily complicated, investments look riskier than ever, and you are tired of sales pitches over the phone, in junk mail, at the local bank, and even when you go to an ATM at the supermarket! And when you read about the costs of a college education or a comfortable retirement, the numbers look bigger than the national debt.
You're not alone.
In a world with new investments, changing tax laws, rapidly evolving insurance programs, and volatile economic cycles, more and more people are looking for clear direction in their financial lives. Unfortunately, the busier and more successful we are, the less time we have to sort out our financial affairs.
Is there a solution?
Yes. Out of this increasingly complicated financial environment comes a helpful professional: the independent financial planner. A dedicated financial planner's primary goal is to help you—and others like you—pursue a comfortable lifestyle today while helping secure a solid financial future.
We offer something you may not be able to get from the traditional stockbroker, banker, accountant, or insurance agent—a way to consolidate all aspects of your financial life into one coordinated plan, so that every financial activity can be viewed in the context of your specific financial goals. In the process, you gain a new sense of control over your financial life.
Depending on your individual needs and wishes, we may render advice verbally, in advisory letters on specific topics occasionally, over a period of months or years, or in a comprehensive written financial plan that may be many pages long. The planning process may include the following services, as needed:
- A summary of your goals and objectives
- Current and projected financial position statements
- Asset allocation, investment analysis, and recommendations
- Current and projected income tax analyses
- Projected year-by-year progress toward retirement
- Projected progress toward other goals
- Asset and financial protection strategies
- An estate planning analysis and recommendations
- A full array of services needed to begin implementing and targeting your financial objectives
In addition, we discuss and illustrate the benefits of tax-deferred compounding and of diversifying assets across many different investment areas and classes (i.e., stocks, bonds, real estate, other real and tangible assets, foreign and domestic, large and small, value and growth). Our goal is to use allocation strategies across all major world asset classes to pursue the maximum return relative to the volatility assumed.
Clients often receive as many personal meetings as they feel are necessary. We discuss investment opportunities and insurance-related issues and chart progress towards each financial goal. During these meetings, plans may change many times: as new children are born, or pursue their educations; as your income goes up (or down); as inheritances are received; as you move through stages of life. At any given time, in any year, the ever-expanding complexities of the financial markets and tax laws may confront you with dozens of questions that need answers.
With a financial plan that could cover everything from this month's mortgage payment to the taxes on your estate, you will gain better control over your financial destiny. With periodic reviews and someone to call on whenever questions arise, you'll know where you stand financially and be able to chart your progress toward your goals.
Paul Bonapart and his staff invite you to learn more about our financial planning and advisory services and consider how we might be able to work together.
Diversification does not assure against market loss and that there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.