For those who desire income (typically those in retirement, widows, divorcees, or those in a career transition), our goal is to maximize your income, while minimizing risk.

Each client's situation is customized in our process to re. ect what is currently goingon in the market. First, we determine based upon qualified or non-qualified accounts, what type of fixed income options should be utilized (taxable or tax-free), Then we compare, based upon the level of current interest rates, which assets will be used (Treasuries, Municipals, CDs, Corporate Bonds, etc.). Finally, we blend the term of the investments (short - intermediate - and long) with the varying risk of each asset class (high-yield, REIT, Stock Dividend, International Bonds) to match the risk tolerance and desired income of our client.