Do you manage the investment portfolios at your discretion?

No. While many asset-based wealth managers and financial planners take discretion over their client portfolios and manage all client portfolios the same way, we do not ever take discretion.  Since we are financial planning-centric, we want our clients to be educated and engaged in the planning process.  We do not ever make purchase or sell decisions without discussing the recommendations with you first.  This approach also necessarily means that all client portfolios are uniquely customized/personalized.