Our philosophy embraces the Total Return Process®, which expands the traditional definition of the financial planning and investment management to include the integration of legal, tax, insurance and investment strategies. These strategies are not mutually exclusive, but may be promoted as such by traditional advisers. The four strategies must be managed and integrated throughout an individual’s life cycles of wealth accumulation, preservation and distribution.

Financial Planning
Investments

  • Asset Allocation
  • Wealth Management
  • Education Planning

Insurance

  • Life
  • Health
  • Auto/Home
  • Long-Term Care
  • Property/Casualty
  • Disability

Legal

  • Wills
  • Trusts
  • POAs

Tax

  • Tax Planning
  • Standard vs. Itemization
  • Business Owners’
    Tax Strategies

Retirement
IRA/Roth IRA
Contributions

  • Fee–Based Planning
  • Asset Distribution
    Strategies
  • 401k Options

The strength of the Total Return Process® is that it applies to everyone regardless of economic or social status. Proper integration and balance of these strategies assists in the execution of a broader philosophy that money is a means to an end, not an end itself.

Tax and legal services are not offered by LPL Financial or Mason-McBride Capital Advisors, LLC.