Services designed to address all of your priorities in life

There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to help keep you comfortable in the present while helping you reach your near- and long-term goals.

Our comprehensive financial planning services include:

• Net-worth analysis
• Cash flow planning
• Strategic asset allocation
• Retirement planning
  • Traditional IRAs
  • Roth IRAs
  • Qualified retirement plans
  • Company retirement plan education
• Education planning
  • Education savings accounts
  • 529 college savings plans
  • Custodial accounts
• Trust and estate planning
• Insurance and annuities
• Liquidity and cash flow strategies
• Tax planning and liability management

Preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and leave behind the legacy you had envisioned.
Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement income planning and disciplined investing. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to make your money last your lifetime.


There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results.

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as financial advisors of RJFS we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

A service we offer to clients and non-clients alike, we’ll perform a review of your current investment portfolio and make recommendations we believe to be appropriate for your financial goals and risk tolerance. This is a no-cost, no-obligation analysis.

Our team is here to help you manage the complexities that wealth can often bring. Our wealth management services include wealth preservation and transfer strategies, risk management, liquidity management, charitable giving and management of concentrated asset positions.

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.


Asset allocation does not ensure a profit nor protect against loss.

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

You may specialize in trust and estate planning or other dimensions of the investment world, but hands-on financial planning is something else entirely. You likely don’t have the time or desire to structure your own financial plan or manage your own portfolio. Our goal is to provide you with the service and expertise that can help both you and your clients thrive.

Our institutional investing approach is designed to provide you with the methodology that endowments, foundations and defined benefit plans utilize to help achieve higher returns, and with less risk than the typical individual investor assumes.

This approach makes use of multiple asset classes based on your goals, time horizons and risk tolerance; the development of, and adherence to, a written investment policy; and a regular review of investment performance versus your objectives and relevant benchmark indices.

We believe a portfolio built by using multiple asset classes will offer you the best chance of achieving above-average long-term returns while simultaneously reducing the likelihood of major short-term losses.

We also believe objectivity and independence are required when selecting the right investments for your portfolio. While we have access to a wide range of investments, we do not have any obligations to purchase proprietary products from outside firms or investment managers.

Like institutional investors, we believe you will have an increased chance of experiencing more consistent performance in a variety of market conditions.

An investment policy serves as the cornerstone for the management of your portfolio. This written document supports the consistent, disciplined following of your investment strategy and will help give you the perspective needed to stay prudently invested. This will be particularly important during adverse market conditions when you may be inclined to abandon a rational, well-reasoned strategy and instead react to short-term events or conditions.

Each quarter, you will receive a detailed report. We will meet with you in person annually, or more frequently if needed or desired. The purpose of the reports and meetings is to evaluate how your portfolio is performing compared to your investment policy. You will always know how your portfolio is performing, why it is performing the way it is, and what adjustments, if any, need to be made in the ongoing pursuit of your goals.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results