SERVICES

Portfolio Management

By leveraging a disciplined investment process, you receive transparency of information, seamless proactive service and the trust and accountability you need to meet your financial objectives. Your Financial Advisor works with the Investment Committee to manage your portfolio daily. While working with the financial planning team your Financial Advisor builds out your model and continually evaluates your portfolio in order to achieve your goals.

Stategic Wealth Management Accounts

By creating a comprehensive, customized portfolio consisting of stocks, bonds and mutual funds, Strategic Wealth Management (SWM) allows you to work towards your financial objectives. Together, we will devise and implement an active portfolio management strategy based upon the tenets of asset allocation and diversification.

Tax Planning

Tax impacts every aspect of your financial life. Our professionals can work directly with your Accountant to review your recent tax returns and identify potential savings or restructuring opportunities, giving you proactive ideas to save money in the future.

Benefits you gain from our tax planning service include:

  • Evaluating business structure to optimize the benefits of the Internal Revenue code

  • Focusing on opportunities unique to your individual business or industry

  • Understanding the tax consequences related to your individual investments

  • Maximizing your retirement plan savings under current tax law

Business Planning

Designing and administering employee benefits such as 401(k) and health and welfare plans represents an ongoing challenge for business owners seeking to effectively reward and motivate workers while at the same time minimizing the impact on their bottom line.

When consulting with business owners on their 401(k) and other benefit plans, our professionals provide outstanding service that will inspire confidence in both employer and employees, encourage maximum participation in the plan, and give business owners the satisfaction of knowing that their employee benefits are in the best possible hands.

Whether you employ 100 people, or thousands, our professional can identify the challenges and opportunities you face in the complex employee benefits arena and can deliver an efficient, cost-effective strategy.

  • Retirement and Wealth Management
  • 401(k)
  • Pension
  • Executive Compensation
  • Business Planning
  • Business Succession Planning
  • Group Benefits
  • Insurance Services


Risk Management

Our team of Insurance Specialists identifies risks which could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without protections in place. Cost effectively transferring risk to the deeper pockets of an insurance company may be prudent to minimize the financial damage of a catastrophic, unanticipated event.

High Net Worth Insurance and Risk Management (Business and Personal)

Some of the ways we utilize insurance in the financial planning process include:

Life: Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.

Disability: Protects your income in the event of your inability to work prior to financial freedom.

Long-Term Care: Provides financial support for Activities of Daily Living (ADL’s) in respite care, adult day care, in-home care, assisted living as well as nursing home care.
Symphony Financial Ltd. Co.
Comprehensive Wealth Management Services
College Planning
Retirement Planning
Investment Planning
Financial Planning
Estate Planning
529 Plans
401K - DC Plans
Asset Allocation
Accouting
Will Planning
Education IRA's
Pension DB Plans
Diversification
Asset Protection
Trust Planning
UGMA/UTMA
Executive Comp
Risk Assessment
Long-term Care
Weatlh Transfers
Financial Aid Plans
Annuities
Tax Consequences
Insurance Planning
Charitable Giving
Coverdell ESA's
IRA's
Portfolio Strategies
Succession Planning
Family Partnerships
Strategic Wealth Management (SWM) 
A Time-tested Investment Strategy 
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As your investment partner, we are committed to helping you pursue your unique financial goals and objectives. After developing a thorough understanding of your risk tolerance and specific short-and long-term goals, we will work together to create a customized Strategic Wealth Management (SWM) portfolio. We will strictly adhere to the following steps as we help you accumulate, preserve, and transfer your wealth. Strategic Wealth Management (SWM) accounts are offered exclusively through LPL Financial.
3. Build Your Portfolio{cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E

Now, we’ll begin building a portfolio of investment vehicles to work towards your specific needs.  We’ll determine which types of assets you should own and how they should be allocated.  We’ll research the types of investments are most appropriate to meet your objectives. {cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E
1. Define Your Investment Goals/Objectives{cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E

The first step  in the investment process is to clearly define your investment goals, time horizon, risk tolerance and preferences. This basic information provides a solid foundation for your portfolio and serves as a reference guide for ongoing discussions and reviews.{cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E
4. Manage and Monitor Your Portfolio{cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E {cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E

Once your assets are invested, the process of monitoring and managing your portfolio begins. We will continue to review and evaluate your investment strategy to ensure it remains aligned with your goals. We will provide investment education, guidance and expertise through regular meetings and discussions. As your needs change, we will re-evaluate your investment strategy and discuss alternatives.{cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E {cke_protected}{C}%3C!%2D%2D%22''%22%2D%2D%3E
2. Determine Your Investment Strategy

After your goals and objectives have been determined, the next step is to create a customized investment strategy. We will apply the concepts of asset allocation and diversification as we identify and recommend the most appropriate investment solutions - - all the while focusing on your individual financial position.
Strategic Wealth Management (SWM) 
A Time-tested Investment Strategy - Continued 
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Advice Tailored to Your Time Horizon

Today's economic landscape abounds with both opportunities and challenges. Knowing which path to follow in order to realize your goals and work toward financial freedom can be a daunting adventure to embark upon alone. 


By creating a comprehensive, customized portfolio consisting of stocks, bonds and mutual funds, Strategic Wealth Management (SWM) allows you to work towards your financial objectives. Together, we will devise and implement an active portfolio management strategy based upon the tenets of asset allocation and diversification. Periodic reviews of the portfolio's composition and performance can help to ensure that your assets are positioned to take advantage of market opportunities, while withstanding market volatility .
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Whether you are planning your retirement, investing for a child's college education or financing a new business, you will need a strategy designed to get you from where you are today to where you would like to be tomorrow The time-tested philosophy of strategic asset allocation may be just the vehicle to get you there. 
Strategic Wealth Management (SWM) 
A Time-tested Investment Strategy - Continued

Your Wealth Management Strategy

Each SWM portfolio is individually crafted and involves establishing weightings for various asset classes, choosing specific investments within those classes and making adjustments as circumstances change. A sample portfolio for an investor whose objective is Income with Moderate Growth is depicted below.

Once the broad asset classes have been determined, we will work with you to choose the most prudent investment vehicles to fund your customized portfolio (i.e. mutual funds, stocks, bonds or certain previously held investments). Asset classes can be further sub-divided into the varying components of each class.  
For instance, in the equity portion of your portfolio, you can choose from such asset classes as:
• Large-Cap Growth and/or Value
• Mid-Cap Growth and/or Value
• Small-Cap Growth and/or Value
• International Equities
• Alternative Investments Funds


Benefits of On-Going Management

 
Take comfort in the fact that we monitor current trends and market developments and provide ongoing advice and portfolio management.  You receive the benefits of asset allocation and active, advice-based portfolio management—all for one inclusive fee, on one statement and in one account—giving you the investment diversification you need and helping you work toward your long-term goals and objectives.



  1. Managing Director
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