Asset & Retirement Management

The firm serves retail clients including individual accounts, trusts, 401(k)s, IRAs and other retirement and business accounts, offering discretionary portfolio management and financial planning as well as occasional recommendations on non‑securities investments such as REITs and 1031 exchange products. The majority of client assets are implemented through a third‑party turnkey asset management platform (EQIS), while a smaller number of accounts are managed via Guggenheim mutual fund allocations and a Prudential annuity management program.

The firm places clients into diversified Portfolios after a risk‑tolerance questionnaire and client interview, then implements discretionary management primarily through the EQIS Platform; Portfolios typically consist of baskets of ETFs, mutual funds, individual securities and fixed income and are overseen via multiple third‑party portfolio strategists that the firm monitors. For non‑Platform accounts the firm uses Guggenheim fund models and conducts in‑house research for those accounts, rebalancing or reallocating holdings periodically and employing either long‑term buy‑and‑hold or shorter‑term strategies as dictated by client objectives and market conditions.

Noteworthy distinctions include that the firm’s principal is a long‑time CPA who also provides tax preparation services to advisory clients (a relationship disclosed as a potential conflict of interest), and the firm relies heavily on third‑party strategy managers and the TAMP for trade execution and custodial arrangements, limiting its ability to select broker‑dealers or aggregate trades. The firm’s brochure also discloses a 2017 felony conviction of the principal that was unrelated to investment activities; this disciplinary history is part of the firm’s regulatory disclosures.