Our Services
  • Financial Consulting: We advice on specific areas based on your objective, such as planning for college, retirement, wealth accumulation, protection needs , estate planning and this service may be for consultation on hourly basis.
  • Financial Planning: We develop a comprehensive financial plan based on your goals and objectives. Our comprehensive approach is collaborative and we'll help develop sound financial strategies. This plan covers such areas as i) Cashflow management, income, budget, expenses, savings, personal debt. ii) Assets, liabilities and networth. iii) Protection needs i.e insurance, life, disability, long-term care. iv) wealth accumulation, investment. v) Tax management. vi) saving for college. vii) Retirement planning. viii) Estate planning and leaving a legacy. As part of the process we identify and prioritize your goals and objectives, gather information about your situation, analyze the situation and come up with recommendations .We also assist in implementing once you are ready to take action. Our financial planning service is annual.
  • Investment Management: We manage your assets in a prudent and efficient manner in line with your investment objectives and time horizon. We ensure that investment is done with our fiduciary responsibility to you: .We analyze your portfolio and suggest a suitable asset allocation for you. We then assist you in opening the necessary brokerage accounts . Once the accounts are funded, we buy and sell investments to meet your target allocation. After the portfolio is set up, we monitor it and review the portfolio with you and revise it to account for changes in markets and your situation.
  • Fees: As a fee - based firm, we charge fees for financial planning and investment advice. (Financial planning includes tax planning, insurance planning, retirement planning and estate planning. Financial planning services may include consultations and/or written financial plans, which analyze a client's financial situation and makes appropriate recommendations for strategies and methods of implementation of the strategies.) We manage client accounts (on a discretionary basis) for a percentage of the assets under its management. The annual negotiable fee is 2% for amounts up to $500,000, 1% for amounts between $500,000 and $1,000,000 and negotiable above $1,000,000. The fee is paid quarterly, at the end of each quarter, and the fee is based on the account value on the last day of each quarter. For written financial plans, our fees range from $500 to $2,000, depending on the complexity of a client's financial situation. Half the fee is due in advance, the rest upon presentation of the plan. The negotiable hourly fee for financial consulting is up to $200 and is paid after the consultations. We may also help clients select and monitor other money managers (registered in Maryland) on their behalf. When we do so the other money managers pay us a portion of the fees generated by the referred clients, and the annual fee paid will never exceed 1% of the referred assets.