List of Client Services

Individuals, Families and Trusts

Investment Management

(for individual, joint, retirement, education, trust, and endowment accounts)

  • Develop customized asset allocation parameters based upon your risk/reward assessment, time horizon, goals, and other pertinent circumstances
  • Portfolio construction, ongoing maintenance, and rebalancing
  • Tax efficient portfolios
  • Tax loss harvesting
  • Income generation
  • Socially responsible / ESG portfolios


we offer our clients an ongoing continuum of comprehensive financial planning services to help them navigate a wide variety of financial and personal challenges. Our services include:

  • Fiduciary advice to guide you in making better financial decisions
  • Preparing for and transitioning to retirement
  • Generating an income stream during retirement
  • Navigating major life transitions (birth, death and widowhood, marriage, divorce, career changes)
  • Managing the aging process
  • Education planning
  • Estate planning
  • Strategic planning for charitable gifting and philanthropy
  • Cash flow analysis and budgeting
  • Social Security claiming strategies
  • Transitioning wealth to the next generation
  • Financial and personal goal setting
  • Educating younger family members about finances and wealth
  • Creating and drafting your money mission statement
  • Unusual employment-related income (severance payments, stock options, restricted stock, liquidation of “phantom stock” rights in private companies)
  • Preparing for and managing major liquidity events (inheritance, sale of a business or real estate, asset transfers)
  • Risk Management
  • Building your trusted team of professional advisors (estate attorney, accountant, insurance, real estate)

BUSINESSES and Business Owners

Entrepreneurial Advisory Services

we provide experienced, trusted and knowledgeable counsel to business owners to maximize the success and value of their business by:

  • Integrating your business into your personal financial plan
  • Strategic planning for value creation, operational efficiency, risk management and succession planning
  • Review and observations of tax, debt financing and capital structure efficiency and capacity, operational scalability and protection of Intellectual Property
  • Instruction on cost-effective, implementable control systems to identify and mitigate risks
  • Guidance on the sale or transitioning of your business (positioning, sale process, buyer mind-set and objectives)
  • Observation and advice on ownership and leadership transitions
  • Assessment on Buy-Sell Agreements
  • Evaluation of major business investment opportunities
  • Board and Advisory Board management and support
  • We can do this through working with your existing network of professionals

Retirement Plans

We work with small and mid-sized businesses to help them offer high-quality and low-cost retirement plans to their employees.

  • Retirement plan design and implementation (including 401K, 403B, and cash-balance plans)
  • Retirement plan review to ascertain regulatory compliance and competitive effectiveness
  • Draft retirement plan investment policy statements
  • Selection and ongoing monitoring of the investments offered in retirement plans
  • Discretionary management of plan assets
  • Retirement plan conversions and takeovers
  • Executive benefit plan design
  • Provide education and assistance to plan participants
  • Connect business owners with creative and well-regarded retirement plan administrators, designers, and custodians

Endowments and Non-Profits

BLBB financial advisors serve on the boards and committees of a number of non-profit organizations in our area, including BLBB Charitable. As a result, they are intimately familiar with the governance and financial challenges these entities may face. We also provide asset management and consulting services to non-profit organizations.

  • Develop custom asset allocation parameters
  • Investment Policy Statement draft, review and/or update
  • Build, manage, and maintain investment portfolios
  • Sensitive to your organization’s mission and will manage country, sector, industry, and security exposures accordingly
  • Participate in board of directors and investment committee meetings
  • Provide training to your board on governance, investment management, and fiduciary responsibilities
  • Detailed account reporting
  • Advice on best use of assets when your organization has multiple accounts targeted at different needs (e.g., operating and reserve accounts)