level of service

Guiding you with objective advice

With so many separate yet equally important moving parts that make up your portfolio, it's challenging to stay abreast of the markets, perform due diligence and analyze individual investments. But that's what it takes to create and continually manage a comprehensive portfolio.

To be successful investing in today's complex markets, you need unbiased advice you can rely on. Sometimes our guidance is to hold steady and maintain your investments while, at other times, we recommend taking immediate action. With an impartial team, you can trust we're giving you advice in your best interest as we build and manage your portfolio.

Advisory accounts give you the opportunity to:

• Consult with a portfolio manager.
• Receive advice on security selection and portfolio construction.
• Buy and sell securities without paying traditional commissions for the trade; instead we charge an annual fee based on assets for our advisory accounts.

As part of our consulting process, we work with you to determine the right asset allocation for your risk tolerance, regularly monitor your portfolio and rebalance as needed. Our team guides you through defining, developing, implementing and monitoring your unique investment plan.

What Else Should Clients Know About Fee-Based Accounts?
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2A as well as the client agreement.