Services for Individuals & Families

Our comprehensive investment counseling services include:

Portfolio Structure & Asset Allocation

A customized asset allocation recommendation is based on your particular financial situation. The policy is highly disciplined and remains consistent throughout short-term market fluctuations.

Continuous Portfolio Supervision

Personal circumstances, investment objectives and economic conditions change. We frequently review your portfolios and initiate changes to ensure that investments continue to meet your needs.

Financial Consulting

Clifford Swan's investment counselors can provide expert advice on a wide range of financial matters, including:

Retirement Planning - Considering many issues including: distribution options, tax consequences, achievable income, investment alternatives, and coordination with other investments.
Budgeting - Planning for major purchases, gifts, liquidity, and overall income needs.
Estate Preservation - Implementing strategies for preserving an estate for future generations.
Tax planning - Minimizing tax liability through careful portfolio management and other financial decisions.
Philanthropic Advisory Services - Determining the best philanthropic vehicle for achieving objectives including assistance in establishing private foundations or charitable trusts.

Coordination With Other Professional Advisors

Clifford Swan does not prepare tax returns or offer legal advice. We do, however, serve as a resource for your other advisors during times of change such as divorce, estate settlement, retirement or other significant events.

Record Collection for Tax Preparation

We also provide consolidated year-end reports of income and capital gains for your tax preparer.

Customized Reporting

Frequent communication is essential to the advisor-client relationship. In addition to providing quarterly reports, we keep in touch with person-to-person meetings, by telephone and through written correspondence. We encourage you to contact us regarding all your financial concerns.

Brokerage & Custody Fee Negotiation

Though we do not provide custody services for our clients, we often solicit custody proposals on their behalf in an on-going effort to negotiate reduced commissions and obtain the best execution. You are always free to direct us to the use of a specific broker or custodian.

Custody Record Reconciliation

To ensure accuracy, we review custodian statements of holdings, income, settlements, and disbursements. Clients, especially those who are served by multiple custodians, enjoy the organization we bring to their finances.

Meet our Research and Investment Team