Custodian

A Custodial account is an agency relationship through which we, as agent, take various responsibilities for a customer's investment. We physically hold and protect the securities, collect and record the income, distribute it as directed and maintain proper records of gains and losses.

The Investment Manager account is an agency relationship in which we, as agent, are solely responsible for the investment decisions regarding a customer's assets. An investment objective is determined at the time such an account is established.

Pre-Retirement Planning starts with a comprehensive analysis of an individual's financial and family matters. The result of that study is a detailed financial program that contains such items as budgeting and investing. In addition, an investment program will be created that meets the individual's desires and needs. This planning takes into consideration one's investment philosophy and life-style, so that the transition into retirement is made with financial security.