Our Comprehensive Approach to Wealth Management We provide individuals, families, trustees and fiduciaries the independent and objective advice necessary to integrate the wide array of choices involved in their financial lives. Individuals and families often lack either the time, interest, professional skill or emotional constitution to successfully manage their assets by themselves. Many struggle to understand how their assets and portfolio income fit within their overall financial picture. Their brokers and other advisors often fail to provide this integration. An individual or family must balance the competing factors of income, spending, future obligations, recreation, retirement and charitable ambitions. And they must have a comprehensive investment plan crafted to match their goals. Surprising to some, these difficulties become more challenging as wealth increases. Our multi-disciplinary team helps clients achieve financial peace of mind by: thoroughly exploring their financial resources, needs and desires to ensure that financial planning, portfolio management, tax and estate planning are integrated; preparing a comprehensive plan that addresses balance sheet issues, spending and saving, cash flow, investment policy, portfolio allocation, stock options and restricted stock, taxes, insurance, estate planning and more; recommending a broad mix of asset classes and "best of breed" money managers to reduce volatility and seek the best returns consistent with the client's tolerance for risk; and annually updating the financial plan and staying in contact throughout the year to address concerns and events of financial importance. We provide this service in exchange for a "fee-only" retainer. We do not accept commissions or referral fees, which present conflicts of interests in many client-advisor relationships. Our independence, objectivity and stability are reinforced by the active principals' ownership of the firm. This is our vision of true "wealth management." Our mission and values demand this level of attention, transparency and expertise. We believe our approach is a combination that few financial firms can match. We invite you to explore with us whether our team and our approach are the right fit for you. © Copyright 2006 - Frederic T. Kutscher Associates, Inc. All Rights Reserved. | Disclaimer