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Our Services

Family at the Beach

Support Through Every Life Stage

Our clients have many different backgrounds, goals and priorities. But, they’re all looking for the same high-level advice and service to guide them through their different life stages.

Through our Financial Planning for Life® approach, we support every aspect of clients’ financial needs, so they can find confidence in their lives and futures. We work towards a sustainable and flexible financial plan that can adopt and adapt to life’s many uncertainties.

Investment Management

Your financial life extends far beyond your portfolio — but the choices we make for your portfolio affect every aspect of your financial life. Consequently, investment management is at the heart of our work as advisors. We begin our approach by understanding your true risk tolerance using Riskalyze software, Nobel Prize winning technology that assesses risk via a patented algorithm. Using this technology and through personal conversation, we work toward defining the level of risk you feel comfortable taking. Next, we match your tolerance to your goals and focus on aligning your investments to match.

We will construct and manage your portfolio using:

  • Disciplined research and analysis
  • Objective advice and guidance
  • Discretionary investing

Investment Management Process

Retirement Planning

Moving from a fulfilling career to a satisfying retirement is one of life’s most important transitions. We work with clients to define their ideal retirement and create a detailed and flexible plan to bring that vision to life.

Whether you’re currently employed or already retired, we can support you with:

  • 401(k) analysis
  • Income-generation strategies
  • Cash-flow planning

Wealth Synchronization

We help clients save time and reduce stress by organizing their finances in one central location. Using eMoney’s cutting-edge technology, we provide you with a Personal Financial Dashboard to access all financial assets no matter where they are or where they are located.

With this tool, you can coordinate, visualize, simplify and analyze your entire financial life, at any time and anywhere you have internet access. We can collaborate with you in real time and offer advice on your total net worth.

In addition, we can help streamline your financial life with services including:

  • Bookkeeping support
  • Notary Public services
  • Third-party bill payments
  • Lending support and strategies

Tax Strategies

We agree with the maxim that “A penny saved is a penny earned.”

We search for every opportunity to lighten clients’ tax burdens while pursuing their long-term goals.

We can connect you to:

  • Tax-aware investing
  • Tax-minimization strategies
  • Tax preparation and support

Insurance Services

Every MONECO advisor is dually licensed to handle insurance services. As we review your current financial situation, we can also recommend ways to make the most of your insurance.

We can support you with:

  • Comprehensive insurance analysis
  • Cost/benefit and risk management review
  • Long-term-care strategies
  • Employee Benefits services

Legacy Planning

Our advisors understand the importance of making sure you leave a meaningful and lasting legacy for your loved ones. We combine our team’s experience with outside professionals, such as attorneys, to help you plan for transferring your wealth to future generations.

We will work with you to address:

  • Trust services*
  • Eldercare strategies and support
  • Will and Testament preparation and revisions
  • Philanthropic planning
  • Estate planning

How We Charge for Our Support

Like every other aspect of our service model, we adapt clients’ payment terms to reflect their unique circumstances and goals. We offer the following three approaches to address your evolving needs.

Stand Alone Financial Planning Services:

We begin most relationships with an in-depth financial planning process before implementing any investment strategies. Depending on your situation and preferences, we will create your written financial plan for a flat, fixed annual fee or an hourly planning/consulting fee.

Financial planning offered through MONECO Advisors, a Registered Investment Advisor and a separate entity from LPL Financial.

Fee-Based Investment Management:

When investing our clients’ assets, we typically support them with fee-based services. In this arrangement, you would pay a quarterly flat fee based on the market value and type of assets you hold. Depending on the level of involvement you choose for investment management, the fee differs.

Commission-Based Investment Management:

At times, we have clients who want one of our advisors to implement investment recommendations on a commission basis. With this approach, you would pay a commission for each transaction your advisor completes on your behalf.

*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.