Overview of Our Wealth Management Process

  1. Discovery meeting  — We diagnose your current financial picture & understand your financial goals, along with what’s important to you. We provide details of our holistic approach and comprehensive process, including tax, insurance, estate & retirement planning.

  2. Proposal — Presentation of financial plan & provide a personalized roadmap to achieving goals, along with the utilization of our professional network (i.e. accountant, lawyer) if necessary for advanced planning opportunities.

  3. Implementation — We implement the comprehensive financial plan, and align investment strategies and products with the desired outcomes.

  4. Review — Quarterly reviews (at a minimum) to deepen the relationship & have a complete understanding of the financial picture to add further value. We review goals and current plans to ensure goals are being met both now and in the future.




How We Help With Our Personalized Process

Trusted wealth management: focusing on protecting your hard-earned assets

With a comprehensive understanding of your needs, preferences, and circumstances, we provide personalized investment solutions designed to enhance the growth of your assets and provide protection from downside risk.

We have years of experience and a particular focus on income-oriented securities, which is what many retirement-bound investors need right now: the knowledge to balance a combination of these vehicles to achieve steady levels of growth that come very close to the risk-adjusted returns most investors want from the equities markets.

Our team provides a refined & disciplined approach to wealth management for individuals and families with complex needs. Our goal is to provide consistent, discerning advice for our clients to help them create sustainable and successful investment strategies while assisting with other financial matters such as estate, retirement, and tax planning along with insurance and business succession needs.

We pride ourselves on providing caring and attentive service. Our clients depend on us to protect and enhance their assets over the long term with the utmost priority to preserve the assets that have been entrusted to us. We are happy to work with people who can benefit from our services, to set them up for financial success both now & in the future.

Services we offer

  • Investment Management
  • Financial Planning Strategies
  • Insurance Planning & Risk Management Solutions
  • Tax & Estate Planning
  • Retirement Planning
  • Business Succession Needs
  • Philanthropy & Magnifying Charitable Gifts

A focus on fixed income – customized income portfolios

Hal's approach is not a cookie-cutter approach—he spends time getting to know each client extremely well and providing them with a truly customized portfolio. He brings over 40 years of financial expertise and knows the market well, and his specialty is designing creative fixed income strategies while balancing portfolios with conservative, high-yield equities for long-term growth.

Our disciplined strategy favors income-oriented securities combined with conservative equity positions, particularly dividend-bearing stocks. As a former Treasurer of a foreign exchange bank and fixed income trader, Hal is well versed in all types of investments beyond traditional mutual funds, stocks, and bonds. Hal's specialty is investing in fixed income securities to provide a steady income and the maximum yields the markets will bear, which puts him in a unique position to help people entering or in retirement with the conservative and income-generating portfolios to generate enough income to fund their retirement needs.