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A comprehensive wealth management team that
specializes in retirement transitions.

Are your Financial, Tax and Estate Plans Coordinated?


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Simplified Macro Asset
Reallocation Technique.

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Comprehensive Financial-Life Partnership

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Unparalleled Service

  • Performance Review
  • Financial Planning Audit
  • Investment Check-in
  • Year-End Planning

Life-Long Guidance

  • RMD's & QCD's
  • SS Election
  • Medicare Election
  • Stock Market Meltdown
  • Tax or Inflation Crisis
  • Losing a Spouse
  • Settling an Estate

Education & Communication

  • Private Classes
  • On-Line Retirement University
  • Bi-Monthly Newsletter
  • The AWA Market Minute
  • Real-Time Access to Performance

Peronal Touch

  • Client Appreciation Events
  • Social Activities
  • We're there during the "Moments That Matter"

Advice On-Demand

Clients determine additional meeting:

  • Quantity
  • Frequency
  • Content

Integrative Wealth Design

  • Tax Preparation
  • Estate Planning
  • Medicare & Health Insurance Enrollment
  • Long-Term Care/Risk Management (P&C)
  • Real Estate Financing
  • Pre-need Planning
Education &
Wealth Design


Partners that understand your LIFE and MONEY

the pieces

Institutional Portfolio Management

Constructing your investment portfolio using best-of-class, investment selection committees (often referred to Separately Managed Accounts or SMAs) can be tremendously advantageous if an investor has sufficient funds and can meet the account minimums required. Here are some of the key advantages:


Using Institutional Portfolio Management allows clients to see all of their holdings and transactions in real time as they happen, giving insights into what is being traded rather than learning about those trades after the fact, as is the case with mutual funds or ETFs.

Cost Savings

The cost of Institutional Portfolio Management is included in our advisory fee. This is an important distinction as many advisors’ fees DO NOT INCLUDE the cost of the investments. SMA managers bill our advisory firm directly to receive model delivery. Thus, clients get access to best-of-class, high-quality, active management without paying expense ratios, commissions, etc.


Institutional Portfolio Management gives our client’s direct access to the underlying stocks of companies included in the SMA allocation—an important consideration when it comes to voting rights, for example. Owning individual securities also provides greater control by facilitating tax los harvesting (strategically selling specific stocks to minimize tax liability)


Institutional Portfolio Management uses SMA allocations which are tailored specifically for each investor based on their personal investment goals and expectations, including the exclusion of any specified securities. Clients can explicitly exclude companies from their portfolio for any reason.

High Active Share

Our portfolio construction employs SMA’s with historical data that has been rigorously GIPS audited (The Global Investment Performance Standards). We seek to use managers who have high active share (differentiation from benchmark), generally low turnover ratios, alpha generation, and strong historical performance.

Best Ideas

Institutional Portfolio Management uses active management strategies and concentrated managers –stock or bond managers with generally less than 40 or 50 holdings. Each SMA is carefully selected for a client’s portfolio based on objectives and like-minded styles, strategies and philosophies of the investor and the manager.

Avoiding Overlap

Constructing a portfolio from SMAs that are disciplined in their approach, philosophy and style allows our clients to avoid overlapping holdings. Institutional Portfolio Management eliminates closet-indexing which increases costs and reduces returns. Managers can be Fundamental or tactical, and select investments from large, mid or small cap stocks which could be domestic or global.

Do You Know Your Retirment Blind Spots?

Answer the 10 questions below to find out.

1 of 10
  • All things being constant; what is the probability you will outlive your money?
  • Will you be able to maintain the same lifestyle when your spouse passes away?
  • Do you have a plan to pay for the cost of care that is not covered by Medicare?
  • Will your assets seamlessly transfer to your loved ones in a way that will bless their lives — not the IRS?
  • What governmental policies (including programs and taxes) might impact your retirement?
  • How much market volatility would trigger your panic response? How much investment volatility are you actually exposed to?
  • How would inflation and/or a rising interest rate environment impact your assets?
  • How does your investment performance and portfolio expense compare to industry benchmarks?
  • Do you have a plan for taking systematic withdrawals from your investments during periods of market volatility?
  • Are you receiving the most credible, comprehensive, competent and current advice?

Based on your responses, you could benefit from a 10-point risk analysis.

Good Job! Looks like you have checked all of your retirement blind spots!

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At retirement you will begin taking withdrawals from your investments. The timing of these distributions with the timing of market volatility could have a significant impact on your portfolio's outcome. Modern Portfolio Theory was developed in 1952. These principles applied In 2020 may not work for the today's retirees. The most current "Safe Withdrawal Rule" demonstrates a 95% probability for success in retirement if you limit your withdrawals to 1.93% of your retirement portfolio each year. Ridiculous.

S.M.A.R.T. Investing® is the solution. It’s a proprietary, mathematical approach to retirement investment allocation and dynamic distribution modeling. Designed to provide the balance required for short-term withdrawals and long-term investment performance during retirement. Providing peace of mind in up or down markets during the distribution phase of your retirement.

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Saved Money
Protected Money
Protected Growth Money
Protected Growth
Growth Money


Money we deposit into a financial institution (a preferred bank or credit union). We intentionally sacrifice performance for liquidity, contract guarantees, and principal protection. We keep sufficient to meet our very short-term spending and emergency needs, but not so much that we are exposed to inflation or opportunity costs.


Money we lend to a financial institution for a period of time in exchange for contract guarantees and a volatility buffer. Sacrificing some liquidity for improved performance potential while retaining principal protection and contract guarantees.

Protected Growth

Money we invest in “the market” using asset managers that employ tactical strategies. With the philosophy of “winning by not losing” as their basis, these tactical managers select which investments and when to buy or sell them by monitoring key economic indicators. They adhere to disciplined strategies designed to minimize downside capture in declining markets.


Money we invest in “the market” using asset managers that follow a fundamental philosophy of due diligence at the individual company level. These managers analyze a company’s financial statements, balance sheet, P&L, P/E and forecasted revenues to determine if there are growth or value opportunities that are not being priced correctly in the capital markets. Once they identify the right candidates, they buy those stocks and put them directly into your portfolio. When the markets decline, these managers don’t often react.

Our Process

A GPS is a helpful tool that can navigate you safely to your desired destination. Think of our team like a GPS system for your retirement.

Our Process

A GPS is a helpful tool that can navigate you safely to your desired destination. Think of our team like a GPS system for your retirement.


The first thing a GPS needs is information. Where do you want to go? How much fuel do have? How fast do you like to drive? Do you prefer freeways, city streets or scenic highways?

Risk Assessment

A GPS can triangulate precisely where you are now in relation to your goals & warn you about dangers you can’t see: road construction, speed limits, traffic conditions, and accidents. Its Important to know your blind spots.

Customized Roadmap

A GPS is much more than just a map. It has the tools to calculate multiple route options, and identify the optimal course, customized to your unique objectives & preferences.

Course Correction

You may need to make a few lane changes to get on the optimal route. A GPS assists in making necessary adjustments to get you on the right track.

Dynamic Guidance

If goals or conditions change the GPS recalculates your route staying with you every mile to ensure you get to your destination safely and efficiently.

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Discovery CustomizedRoadmap RiskAssessment CourseCorrection DynamicGuidance

Credibility Matters

There are thousands of licensed advisors in our industry. With so many advisors and conflicting opinions on wealth management, it may feel overwhelming to know whose advice you can trust. One suggestion we have is to reference these regulatory agencies and accreditation sites to do a little research on your advisors.