Frequently Asked Questions

Why should I work with you?
First and foremost, my clients like the fact that I am independent. I don't represent a company that institutes quotas or requires that I sell their products. This gives us the opportunity to choose from the entire universe of available investment products.

I have a comprehensive background in other areas of financial planning including insurance and real estate. While some advisors or brokers may only focus on the performance of your investments, I can take a look at your overall financial picture and often suggest improvements to your existing plans.

For nearly twenty years I have worked to build a clientele and establish profitable business relationships in my community. Because nearly all of my new clients are now referrals from existing clients or business associates, I spend less time searching for new business and more time managing my existing relationships.

My clients like the fact that I offer annual reviews and return calls in a timely manner. In many cases, I can arrange to meet with clients at their homes or offices. I schedule my appointments at times that are most convenient for you and your lifestyle.

What types of clients do you work with?
While my clientele is quite diverse, they all have one thing in common: they all want to retire someday and enjoy their golden years in happiness and prosperity. "Peace of mind" is a phrase that often comes up with my clients. Many of my clients are self-employed and require assistance in setting up retirement plans and benefits. Others are families that need help in planning for college and retirement. Still others are successful professionals and executives looking for someone to manage their investments while they're busy managing their careers. Baby boomers contact me to help them manage trust accounts or maximize their retirement income.

More often than not, I get new clients who are going through some type of transition or life change. These may include:

• Job change
• Marriage
• New Business
• New baby
• Early retirement
• Inheritance
• Divorce
• Real estate sale

What are your investment philosophies?
I believe in keeping things simple. I believe very strongly in sticking to basics and following fundamental investment strategies. I focus on proper diversification and asset allocation, based on your individual risk tolerance and time horizon. I want you to understand what you're investing in.  In my opinion, an educated client is a good client. 

My strategies tend to be tax-sensitive.  While it's generally not possible to eliminate tax gains from investments, I make every effort to manage your tax situation strategically.  For high net worth clients who require additional diversification strategies, I look beyond stocks and bonds and will sometimes use alternative asset classes, such as real estate, raw land, precious metals and commodities.

Every client is different and your plan will be entirely based on your goals and objectives.

I don't promise unrealistic results or best-case scenarios. While I can't guarantee results, of course, I do believe that through proper asset allocation and a consistent, long-term investment plan, I can help you develop strategies to potentially achieve better returns with lower volatility.  I seek out experienced money managers and programs with reasonable costs.

I strive for long-term relationships with my clients, not just another new account. It is essential for me to understand your hopes and dreams, in addition to things like your tax status and annual income. I find solutions to your financial problems and present a roadmap to your financial goals.

Who is Investors Capital?
Investors Capital Corporation is the financial services firm I have chosen to partner with. ICC is a broker-dealer firm which maintains my securities licenses, monitors the suitability of my investment accounts and ensures that I fulfill my continuing education requirements. The back office support provided by ICC's Trading and Operations Departments and our clearing firm, Pershing, LLC, allows me the time to build stronger personal relationships with my clients and to provide the hands-on service that they deserve.  Investors Capital is a publicly-traded company (symbol ICH, AMEX) based in Lynnfield, Massachusetts. ICC has twice been named Investment Advisor Magazine's Broker-Dealer of the Year.

What is your Mission Statement?
My mission is to provide my clients with sound financial advice and to implement effective investment strategies designed to help achieve their long-term investment and financial goals.