Our Services

Comprehensive financial planning:

• Retirement planning - establishing goals, implementing a savings plan, and  determining distribution alternatives
• Education planning – determining amounts needed and the timing, identify funding sources and implement savings plan
• Life special events planning – identify events or goals you wish to achieve, estimate funding and implement savings plan
• Assets and income protection review – determine insurance needs for health, disability, home, auto, life and liability by identifying areas of risk and potential financial loss
• Care plan for loved ones – Consider costs of long term health care for yourself and family members and implement a funding plan
• Investment plan – Develop personalized investment strategy and construct a portfolio with an asset allocation customized to your risk profile
• Estate plan – Determine how you wish to distribute your assets and structure a plan to accomplish your wishes. Use of wills and trusts may be beneficial.
• Tax Planning – Structure each area of the financial plan to take advantage of tax efficient strategies
• Budgeting – Review income and expenses and structure customized solution

Investment Management

As a registered investment advisor, MFS provides investment advice and asset management services.  If you wish to handle your own investments, but want guidance in putting together a portfolio or asset allocation, we can assist you with that.  Or if you want someone to manage your assets, full investment management services are provided.

• Investment philosophy  
  • Building wealth requires a long-term vision to investing.  In the short term, markets are unpredictable. 
  • Owning companies (equities) is preferred over lending to them (bonds). Since 1926, equities have outperformed bonds 2 to 1.
  • Diversification among various asset classes reduces risk and fluctuation in portfolio returns.
  • A global allocation enables you to capture returns in growing economies worldwide.
•  Recommended approach
  • Use no load mutual funds and exchange traded funds to invest in multiple asset classes and take advantage of professional asset management at low cost.
  • Monitor fund performance and rebalance quarterly as needed. 
• Custody of assets
  • All accounts are held in your name at the custodian of your choice.  MFS recommends Shareholders Service Group as custodian if you have no preference.
    
    

Fees

• Financial Planning
  Hourly basis @ $100/hour or
  Negotiated fixed fee based on complexity and timeframe for planning
  
• Asset Management
  .85% per year on assets of $2 million or less
  Negotiable on assets exceeding $2 million
  $2,000 minimum annual fee
  
• Service agreement is required with $500 due at signing