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Risk Management

Diversification* and Personalized Plans:

Crafting a well-rounded diversified portfolio is the first step in working toward reducing risk. We'll collaborate closely to create a personalized strategy that aligns with your financial goals and works toward fortifying your financial position.

Smart Asset Allocation and Security:

Smart Asset Allocation and Security:

Our "buckets of money" approach is designed to help you systematically and tax-efficiently draw down your assets. Additionally, we’ll explore alternative investments like annuities (including buffered and principal-protected) in an effort to cushion your portfolio against market volatility. We use separately managed accounts (SMA) equipped with written sell discipline. We also emphasize the use of money instruments such as CDs, Treasuries, and money markets to work toward safeguarding your investments. Furthermore, we offer insured municipal bonds2 that pay tax free interest.

 1 There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.

Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply.  If sold prior to maturity, capital gains tax could apply.


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Contact us today to discuss how we can tailor a risk management strategy that suits your unique needs and goals.

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