Raymond L. Gazelle Jr.

The firm provides comprehensive financial planning and investment planning services to individuals and to corporate and nonprofit organizations, often working with a client’s financial officer or committee. Services described in the brochure include retirement and college planning, insurance and estate planning, cash-flow and debt management, and preparation of written investment policy documents.

The adviser employs a long-term, strategic portfolio allocation approach that emphasizes asset allocation, diversification and selection of mutual funds and ETFs consistent with a client’s time horizon and risk tolerance. Advice is delivered on a consultative, non‑discretionary basis — the firm does not manage client assets or take custody, and clients execute transactions themselves.

Noteworthy aspects relative to peers include the firm’s explicit work with organizational and corporate clients (including non‑profits), which is less common among independents, and its fee-only billing on an hourly or flat‑fee basis rather than charging percentage‑of‑AUM or accepting commissions. The adviser also provides separate consulting services to small banks on internal operations and data processing, a distinct business line that can at times occupy a significant portion of the firm’s time and reflects a background in bank operations.