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Our Approach

Financial Solutions follows a set of time-tested principles to help us best meet your financial needs and goals.

Balancing Risk and Opportunity

The stock market has historically returned 10% on average, but most investors have seen only a fraction of those returns. Why? Because of emotionally based investment decisions and attempts to time the market. At Financial Solutions, we stress a more disciplined wealth management and financial planning process, and we back it up with a leading edge, integrated technology platform.

Every investor knows that without risk there can be no return. Our view is that not all risks are equal—or acceptable. We work to mitigate excessive or unintentional risks, and we strive to enhance risk-adjusted return by minimizing the risks that don't offer a consistent payoff. We also provide diversification strategies for clients with concentrated stock holdings or large positions in company stock.

Our goal is to reduce the frequency and severity of losses in a portfolio so that the power of compounding can result in greater cumulative wealth over time.

Sophisticated diversification is a cornerstone of balancing risk and reward. We build customized, long-term portfolios using "best of breed" investment opportunities. The building blocks of our portfolios can include individual securities, institutional managers, exchange-traded funds (ETFs) and mutual funds.

For investors who require a fixed income stream, or who wish to minimize short-term volatility in their portfolios, Financial Solutions constructs a diversified bond portfolio.

Minimizing Taxes

For affluent individuals, no issue is more pressing than taxes. To help our clients minimize the impact of taxes on their investment objectives, Financial Solutions employs a low-turnover approach to portfolio management and a disciplined program of offsetting gains with losses.

Exercising Independence

Financial Solutions' independence gives us access to a vast array of investment managers with no incentive to sell a particular product, fund or manager. We do not sell insurance or annuity products. We have no arrangements to receive kickbacks, trailers or commissions.

Personal Relationships

Financial Solutions was built on the idea that personal, one-on-one service and ongoing communication are the keys to a successful long-term financial partnership. Not only does Financial Solutions stress regular, face-to-face meetings to discuss investment trends and your progress towards your investment goals, but we also provide comprehensive and educational investment reports that keep you consistently up to date.