Wealth Management

Retirement Planning

  • Retirement planning services are facilitated through our Investment Adviser affiliate, Granite Springs Asset Management.
  • Individuals: learn how to implement strategies, like qualified charitable distributions, to help you protect your savings.
  • Families: learn how to implement strategies to protect assets and create a retirement heirloom that can be passed down to future generations.
  • Businesses: help your employees become better educated on how to accumulate and distribute retirement assets while at the same time avoiding costly mistakes.
  • Tax efficient strategies to minimize tax liability over your lifetime.
  • Pass retirement assets on to your children, grandchildren, and future generations to come.
  • Retirement planning and retirement plan rollover options.

Financial planning

  • Estate planning advice and document review.
  • Insurance evaluation and needs assessment.
  • Elder care planning.
  • Philanthropy & charitable planning.
  • The financial challenges of: death, divorce, disability, marriage, child care.
  • College planning.
  • Investment planning and management.
  • And much more.

Account Services

  • All account services offered through our clearing firm BNY Mellon's Pershing.
  • A minimum initial investment of only $1,000 in cash and/or securities
  • There is no minimum balance once an account is opened and no annual fee.
  • A choice of two professionally managed money-market-fund portfolios: Money-Market and Government Securities.
  • Automatic reinvestment of interest, dividends, and other cash balances into the money-market portfolio you select.
  • Convenient worldwide 24-hour ATM access.
  • Overdraft protection and a private credit line based on the value of your marginable securities, which allows you to borrow (at rates usually lower than those available from banks) by simply writing a check or using your ATM card -- the more you have, the more you can borrow, and the interest may be tax-deductible up to the total of your taxable investment income from all sources.
  • Direct Deposit, automatic deposit of your paycheck (or other recurring receipts such as government checks, including Social Security) in your Advantage Account via electronic funds transfer.
  • An automatic payment feature to help you keep track of any recurring payments such as mortgages, insurance drafts, car payments, and mutual-fund investments.
  • The Advantage Account fact kit includes the money-market-fund prospectus, which contains complete information, including management fees and expenses.  Read it carefully before you invest.
  • The Government guarantee of the securities owned by the Government Securities Portfolio does not guarantee the net asset value of the Portfolio’s shares.  While the Portfolio seeks to maintain a $1.00 NAV per share, yields on all three portfolios can fluctuate in tandem with market conditions.  Past performance is not indicative of future performance and is not guaranteed.