Accumulate begins with the discipline of spending less than we earn and acquiring the skills to enlarge the surplus.  The ability to accumulate invokes a very challenging series of tasks and often starts with revenue and expense management.  Outside assistance is often required to audit and reshape the dynamics of both business-related and personal cash flows yet many of us are reluctant to take these steps.  With a new level of discipline and commitment, this hesitation can be overcome.  The next sequential step involves channeling surplus cash flows into investments that can build wealth and long-term financial security within established risk parameters.





Allocate pertains to time and money. Each individual allocates his or her time in a unique way, influenced by his or her immediate and intermediate priorities. When it comes to the allocation of money, we have less personal discretion.  The allocation of assets among diverse investment sectors and investment firms determines to a large degree long-term success or failure in the accumulation and preservation of wealth. In this regard, allocate means moving assets into strategic locations on the investment map, managing risk along the way and devoting sufficient time to the maintenance of strategies, whether those are for general investing or retirement planning. 


React involves making timely adjustments to our wealth management approach if there are unforeseen income or investment losses, changes in Federal and state tax laws and altered political, economic and social dynamics in the U.S or other countries.  Conversely, react can mean pursuing new and different opportunities for personal income and investment growth based on unique knowledge, insights and skills. Some responses can be made in anticipation of events. Others must be made in the aftermath of unanticipated events. Responsiveness is facilitated by the ability to remain adequately informed about current events and likely future events. In this important regard, we work closely with our client partners in order to better enable them to accumulate and preserve. 


In these unsettling times, the risks to personal wealth demand unparalleled levels of preservation. Such risks include catastrophic losses (e.g. natural and man-made disasters), investment losses (e.g adverse political and economic events, acts of fraud and errors in analysis and judgement), confiscation by the government (e.g. income taxes, estate taxes and inflation of the money supply) and adverse rulings by the court system (e.g. legal judgements). Preservation is an integral part of the ongoing wealth management effort and requires a dual commitment to being personally informed and competently advised by professionals in the insurance, tax, investment and legal fields. 

Comprehensive Overview

It is our experience that most individuals lack sophisticated knowledge of the key aspects of comprehensive personal wealth management.  The impact of neglect, distractions and personal biases often produces disappointing if not damaging results.

We partner with our clients to bridge this gap.  Our aim is to offer a dynamic approach to wealth management that is based on scheduling conferences at reasonable intervals, collecting and evaluating current information, providing timely updates of investment and economic developments and furnishing comprehensive appraisals of financial condition.  When remedial steps are required in response to altered circumstances or changes in financial environments, we apprise our clients of the facts and recommend the necessary action steps to be implemented.  In all of our undertakings with clients, discretion and confidentiality are paramount. All our endeavors are designed to inspire our client partners' trust and confidence.

Through the years we have refined our approach to personal wealth management into a working model that is easily articulated. The model's acronym is the familiar AARP -- Accumulate, Allocate, React and Preserve.  It's core elements are briefly discussed below.