Financial Planning
Financial planning is an integral piece of the services we provide to our clients. The financial planning process becomes the blueprint for a client's financial plan, and involves various elements. These elements could include cash flow planning and education funding, retirement and estate planning, income tax planning and preparation, investment and charitable planning, and risk management and insurance analysis. All contribute to form a larger, more comprehensive financial plan designed to achieve multiple financial and lifestyle goals.

Similar to life, one of the goals of the financial planning process is to limit unforeseen risks, as well as plan for life's uncertainties. This is done by preparing future financial forecasts, taking into account real and accurate assumptions. With the guidance of our expertise, these assumptions are developed and modified through ongoing discussions with our clients. This ensures the customization of every financial plan to meet each client's individual needs and goals.

Investment Management
Our investment philosophy focuses on long-term growth while emphasizing risk management. A client's portfolio is customized to help achieve their desired goals, and an appropriate asset allocation is created. This portfolio can adapt to meet changing needs and evolving market conditions.

Through the use of Clement Street Capital’s investment platform (mutual funds, individual domestic and multi-national equities, Exchange-traded funds, alternative investments, etc.), a diversified asset allocation is created that provides a disciplined approach to investing over time. We do not believe that chasing short-term opportunities or "market timing" are investment methods that add value. The preservation of capital is a key component of our investment process.

Our independence creates an unbiased opinion in selecting appropriate investments within every client portfolio. We receive no commissions, nor do we sell any investment product. We believe that the circumstances and situations facing each client are unique; therefore we do not have a "one size fits all" approach in dispensing advice and recommendations. Our main goal is to achieve the best possible results for our clients, as it should be.

This process gives us the unique ability to be a true partner to our clients and their families.