We Service Your Needs and Goals

Your financial goals are as unique as you are. When it comes to wealth management, it is wise to seek professional advice that will focus on your particular objectives.

Kevin will give you a range of options that are aligned with your goals and help you make informed and appropriate choices for a diversified investment portfolio, along with his Personal Concierge Services.

Managed Accounts	A Fulfilling Retirement
A separately managed account uses strategic and alternative allocation models to establish an individualized client portfolio in accordance with the client’s particular investment objective and risk tolerance. more	The best time to start investing for retirement is now, whatever your age. Time is your ally. One of the biggest factors affecting the growth of a retirement nest egg is compounding, and the benefits of compounding tend to be greater over longer periods of time. more
Investing For the Future	Life and Protection
It can be tempting to try to time the market or invest in the hot stock of the day. A long-term, diversified investment strategy is a much more solid way to help you reach your goals. I can build a customized portfolio with you to help you achieve your many financial goals. more	Life doesn't always go the way we want it to go. Despite our best efforts, accidents happen and there's nothing anyone can do about them except insure against them. I offer a wide range of insurance options and can walk you through the different types to help you choose... more
Basic Money Management	Institutional Products
At every age and stage of your life, your financial needs are uniquely your own. I can work with you to assess your risk tolerance and set up the processes & tools to assist to effectively manage your finances. more	Kevin caters not only to the needs of individuals and families, but he also serves institutional customers, such as pension funds, schools, municipalities, public and private companies. more

Personal Concierge Services

• Client Introduction Meeting to qualify needs and goals.
• Checkpoint Discussions scheduled according to your needs - frequency, location, in-person, phone, Skype/iChat ...
• Personal Money Map
  created for you according to format desired to help you understand your investment portfolio.

Client Access Links

• NetX Client
• Albridge Client
• I-Series Client
• Folio Client
• Ascensus 401(k)

Managed Accounts

A separately managed account uses strategic and alternative allocation models to establish an individualized client portfolio in accordance with the client’s particular investment objective and risk tolerance. Depending on the models selected, the underlying assets may include exchange traded funds (ETFs), exchange traded notes (ETNs), other exchange traded products (ETPs), and/or mutual funds. Each client has an individualized portfolio and owns the underlying securities in his or her account.

We believe that investors are best served concentrating their efforts on what is within their control, rather than what is out of their control.

What Should You Focus On?

What is out of your control?

• Economic Events
• Political Turmoil
• Investor Behavior – Rational or Irrational
• Investment Flows of Institutional Investors
• Government Tax Rates
• Market Direction
• Manager Style Drift

These are all things that can cause anguish for investors and often times consumes their thoughts. Yet as investors, these things are completely out of your control.

What is within your control?

• Level of Risk
• Asset Allocation
• Investment Expenses
• Tax Efficiency
• Transparency

You can determine what level of risk you are willing to assume and make choices about asset allocation. You can review investment alternatives with an eye toward investment expenses, tax efficiency as well as transparency concerning the investment’s holdings. These are all things that can have a tremendous impact on investment success.

How do I earn my fee?

Providing a platform to access well known money managers

As a practical matter, most money managers don’t allow individual investors to invest with them directly, unless they have a very large portfolio. However, a client can access institutional-level money management firms with a much lower minimum investment using an advisor as an intermediary to gain access to a managed account provider.

Developing a risk profile questionnaire and setting asset allocation guides

A written investment program suited to the client’s risk tolerance, time horizon, and investment goals. Furthermore, this analysis is based on the client’s complete financial picture. Armed with this information, we are uniquely positioned to not only recommend investment strategies (including how specific vehicles are allocated), but wealth distribution strategies, and other important lifestyle concerns.

Setting goals and making adjustments as necessary

I meet periodically with my clients to discuss the progress being made toward investment objectives. If a life-changing event has occurred and my clients objectives have changed, I update his or her investment portfolio to help ensure that my client is still on track to meet his or her new goals.

Monitoring money managers

Money manager research reports provide a quarterly score and commentary on the managers to help keep you abreast of developments and changes. In the event that a particular manager drifts from their designated investment discipline, or fall below our quality standards, we have the authority to remove that manager.

Being a fee-based financial advisor

There are many benefits our clients enjoy in terms of advice, guidance, accountability, and helping them stay the course. According to an annual study by Dalbar, a Boston based financial services research firm, from 1986 – 2005, the “average equity investor” earned a modest 3.9% annually. That’s a half of a percent less than cash, and nowhere near the 11.9% that the S&P 500 earned annually for the same time period*. It has often been suggested that the main reason for the disparity in returns is that investors, when left to their own devices, often make decisions based on emotion. This is a clear indication of how professional advice can help keep investor’ behavior from affecting the returns they actually earn.

*www.lockwoodadvisors.com

A Fulfilling Retirement

Saving for retirement requires careful planning and systematic saving. Whether you’re just getting started with your retirement savings, seeking to rollover a 401(k) from a previous employer, or looking to supplement and diversify investments in an existing portfolio, I work closely with individuals to develop a strategy to help meet their unique retirement goals. I begin with a personal retirement plan portfolio review and work with you to put all the pieces in place for your retirement strategy.

Among other things, saving for retirement requires careful planning and systematic savings. Besides working toward the retirement you've always dreamed of, contributing to a retirement plan has benefits you can enjoy today such as helping to lower your tax bill and watching your earnings grow tax-deferred. Depending on what you choose, most retirement plans also offer great flexibility, so your contributions can be invested to help you meet personal objectives.

I can also provide consultation and comparisons to help you establish the right group retirement plan for your company to achieve the following benefits for you and your employees:

• Tax benefits on employer contributions
• Helps attract and keep talented employees
• Assist employees in preparing for a secure fulfilling retirement

Having complete and current information about your retirement benefits is important — especially when you’re about to retire or change jobs. I look forward to working closely with you about which retirement plan makes the most sense for you.

• Traditional IRA
• Roth IRA
• 401(k) Retirement Plan Rollover
• Roth IRA Conversions

Investing for the Future

It can be tempting to try to time the market or invest in the hot stock of the day. A long-term, diversified investment strategy is a much more solid way to help you reach your goals. I can build a customized portfolio with you to help you achieve your many financial goals. We will re-evaluate your portfolio periodically to ensure we continue to achieve your goals and make the necessary changes in investments to adapt to your changing needs.

Take a look at some of the ways I might help you achieve your many financial goals.

• Stocks
• Mutual Funds
• Electronically-Traded Funds (ETFs)
• Annuities
• Fixed Income Investments:
  • - Certificates of Deposit (CDs)
  • - Corporate Bonds
  • - Government Bonds
  • - Municipal Bonds
  • - Treasury Securities
  • - Bond Mutual Fund

 

Life & Protection

Life doesn't always go the way we want it to go. Despite our best efforts, accidents happen and there's nothing anyone can do about them except insure against them. I believe an important part of a sound financial plan includes life insurance. It provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned to help pay off debts or other expenses.

Your financial security could affect your loved ones as much as or more than it affects you. Life insurance offers protection from life's unforeseen risks, and the power to leverage assets so you can accomplish more.The type of insurance that is right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last.

Many Life insurance policies have tax advantages and flexibility to help you meet your changing needs. I offer life insurance and financial protection products spanning traditional, term, universal, permanent life insurance, as well as individual and group financial protection products.

• Life Insurance
  Permanent Life: For individuals and business owners with long-term life insurance needs who have the cash flow to pay the annual premiums.
• Single Premium Variable Life
  For individuals and business owners with long-term life insurance needs who have the cash flow to pay the annual premiums.
• Survivorship Life
  Suited for married couples with a significant combined estate value, especially with non-liquid assets such as a business or real estate.
• Term Life
  For those with short-term life insurance needs (10 years or less) or those with a long-term need but whose budget won't allow for higher premiums.

Basic Money Management

At every age and stage of your life, your financial needs are uniquely your own. Your financial health also goes beyond just long-term investments and savings. Wisely handling everyday finances can also play a role in achieving your long-term goals. I can work with you to assess your risk tolerance and set up the processes & tools to assist to effectively manage your finances. 

Some of the investment basics include:

• Understanding risk and volatility
• Your investment mix
  
  

Institutional Products

We cater not only to the needs of individuals and families, but we also serve institutional customers, such as banks, pension funds, schools and municipalities, public companies and private companies.

Saving for Education

You can never start saving for education too soon. Kevin can help you explore various options for college savings plans including a variety of 529 College Savings Plans, UGMA/UTMA’s, Coverdell Education Savings Accounts, and parents’ investment accounts.

Have you noticed how quickly the cost of college education is rising? Between work, soccer and band practice and everything you have on your plate, you may not have time to worry about it.

I can help you to cut through the confusion and help you to put a savings strategy and plan together to achieve your education savings objectives.

For starters, take a look at the different ways you can save for your child's education:

• 529 Plans
  Save and invest on a tax-advantaged basis while funding future college and advanced
  degree expenses for a child or other beneficiary.
• Coverdell Education Savings Accounts
  Outstanding tool for individuals with income limits who want to set aside funds in
  a tax-advantaged manner for education expenses.
• Custodial Accounts (UGMA, UTMA)
  Ideal for investors who are interested to make a gift to a minor in the form of cash
  or securities.