Ongoing financial, tax, and investment advisory services are provided on an annual basis for a level fee. We do not charge based on assets under management. 

This service is most valued by clients who have complex financial or investment situations, are too busy to manage their own day-to-day financial and investment issues, and/or who wish to have a partner in their regular financial decision making.

Client investment accounts are custodied at Fidelity Institutional Wealth Services for ease in reporting, tracking and management. Participation is not contingent on retaining Fidelity for brokerage services. SFS does not receive any compensation from Fidelity for this referral.

How SFS Provides Superior Service

Business Relationships
SFS has established business relationships with leading financial services companies like Dimensional Fund Advisors, Gannett Welsh & Kotler, LLC, Fidelity Investments, and more.  We leverage off the resources of these firms for their investment management expertise that we incorporate into our client service.

Technology
SFS uses Morningstar Workstation to analyze, track and manage clients' entire portfolios.  This allows us to incorporate clients' accounts that aren't directly under our management, such as a 401k plan at an existing employer, into our analysis.

SFS offer clients on-line, secure, password-protected portals via our website where clients can access their tax returns, estate planning documents, insurance contracts, portfolio management reviews, and more.  SFS also uses these portals to exchange documents containing confidential client information (such as social security numbers, bank account numbers, etc.) with clients as a prudent method for being in compliance with identity theft planning regulations, rather than using e-mail for sending and receiving these documents.

Planning Services
SFS offers expert advice in:

Alternative Investments
Analysis for Financial Decisions (e.g. Lease/Buy, Pricing of Products and Services, 
    Expansion Investment Analysis)
Business Accounting Systems Implementation and Staffing
Business Benchmarking
Business Tax and Financial Planning
Corporate and Individual Tax Return Preparation
Education Planning
Elder Care/Medicaid Planning
Employee Benefits Planning
Employer Stock (stock option, restricted stock, ESPP) Planning
Estate Planning
Insurance Planning
    Life
    Long-Term Care (Please note that SFS does not make recommendations for 
        or against Long-Term Care insurance, but we do discuss this coverage with clients)
    Property and Casualty
    Disability
Investment Management
Retirement Planning
Socially Responsible Investing
Special Needs Planning
Succession Planning

For many clients, SFS provides asset management services for investments in mutual funds, bonds, real estate investment trusts (REITs), Exchange-Traded Funds (ETFs) and more. 

When appropriate, we will refer you to a securities investment manager that has specific expertise for more specialized investments, and we monitor their performance on a regular basis. We work together in achieving and maintaining the goals set forth in your action plan.