Wealth Management

Investment Management Services

This is a complex, time-intensive and dynamic process that requires constant attention, therefore it is imperative to select a qualified professional who will objectively maintain vigilance over their clients portfolio. We do not exercise a passive investment management strategy at 1650 Wealth. We create customized investment portfolios for our clients based upon their unique risk tolerance level and investment time horizon. We utilize the responses from a client questionnaire (CQ) in addition to in-depth and ongoing conversations with each client in order to properly construct an investment portfolio that attempts to accomplish their short and long-term financial goals and objectives.

The investment approach we use is similar to that of major endowments and large pensions. We attempt to diversify among various asset classes such as domestic and foreign stocks and bonds, commodities, currencies, hedged investments and real estate investment trusts (REIT’s).

The investments we incorporate within our clients’ portfolios include exchange traded funds (ETF’s), no load mutual funds and structured notes. The structured notes we include are often customized to the particular risk/return parameters of our clients. In some situations we incorporate listed options into our clients’ portfolios as a further hedge from market related volatility.

Retirement Planning Services

We assist our clients with preparing their financial game plan prior to and during their retirement years. We attempt to ensure that growth and income from their portfolio will provide sufficient funds to support their cash flow requirements during their retirement. Our objective advice helps our clients “Sleep Well at Night” during retirement while being comfortable that their portfolio will continue to generate the cash flow required to support their lifestyles.

College Planning Services

We work with our clients to address the educational funding requirements for their children or grandchildren through the use of custodial accounts, trust accounts, 529 Plans or pre-paid college savings plans. Since each situation may be unique to the particular client, we attempt to provide a list of possible solutions to accomplish our client’s college funding requirements.

Estate Planning, Life Insurance and Mortgage Financing Services

Since we seek to constantly ensure a high level of objective advice for our clients, we partner with local professionals to provide for our client’s estate planning, insurance and mortgage financing needs. The use of specialists ensures that the client receives expert advice that meets their unique and specific needs.