Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime. Our services are designed to not only manage wealth, but help preserve it by mitigating taxes and managing risk – so you can continue enjoying the lifestyle you’ve worked so hard to achieve.

Comprehensive Wealth Management

As a team that offers comprehensive wealth management, our mission is to provide a full complement of financial advisory services that encompass three distinct disciplines – investment consulting, financial planning and estate planning.

Investment Consulting

We employ several strategies and analytics in our effort to pursue and achieve your investment objectives and keep you informed. They include:

  • Historical Performance
  • Risk Evaluations
  • Strategic Asset Allocation
  • Risk/Opportunity-driven Tactical Adjustments

Financial Planning

This represents these three important areas: understanding your goals, developing a concise investment strategy and financial plan, and keeping you informed every step of the way. Throughout the process, we can coordinate with your other professional advisors regarding estate and tax planning strategies.

Estate Planning

Advanced planning addresses four key areas of financial needs that affluent investors typically have beyond simply investment planning. They include:

  • Wealth Transfer
  • Wealth Protection
  • Charitable Gifting

Asset allocation does not guarantee a profit nor protect against loss.


Individual Retirement Planning

When it comes to planning for and living in retirement, patience and discipline are much more than virtues – they are necessities. While many people seem to think in terms of that single date, we’re quick to point out that the most important part of retirement is all the days that come after day one – because today’s retirements are more active, more complex and longer than ever before.

We help our clients plan for all the goals and stages of a full, long-term retirement. We help them understand how important it is that income not simply last, but grow. We help them quiet the media “noise.” And we help them temper the emotions – from irrational exuberance to an overabundance of caution – that can hinder even the best financial plans. 

Here, we approach retirement planning with patience, discipline and reason. We filter out the things we can’t know, carefully analyze the things we can and help you develop a unique financial plan for your retirement – from day one on.

Small Business Retirement Plans

We offer solutions for small business owners to provide opportunities for themselves and their employees to save for retirement. We work with business owners and third party administrators to identify the optimal plan design based on the structure of their business and objectives. Working with both defined contribution and defined benefit options, choices to consider include SIMPLE IRAs, SEPs, 401(k)s, profit sharing and cash balance plans.

Risk Management

We believe a prudent investment strategy and comprehensive financial plan must consider and prepare for unexpected and unpredictable market conditions. We understand that while risk cannot be eliminated, it can and should be mitigated. Through a disciplined investment process, we believe that our investment results are enhanced when we measure opportunities and risks in an unemotional way and resist the temptation to join the investor herd. 

Tax Planning

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help mitigate the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we seek to improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs. It’s important to note that tax laws are often complex and frequently change.

Changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

11 East Superior Street
Suite 500
Duluth, MN 55802
Phone: 218.336.2500
Toll-Free: 888.840.8299