At Vernick Financial, we cater our approach based on the goals and financial needs of the account owner. We understand each investment account is associated with a unique situation. It is our objective to first understand those needs and objectives before determining the best way to allocate one’s account. By using a broad investment allocation that can best meet those objectives, our long-term, comprehensive, fee-based approach is designed to be monitored and updated as situations and intentions change. The account owner’s individual estate, tax, retirement, and risk factors are always considered. We pride ourselves on utilizing industry leading risk analysis and investment research tools in our efforts to create an appropriate and well-diversified portfolio. When necessary, we help our clients diversify long held stocks and concentrated positions - doing so over time with the goal of minimizing taxes while creating an appropriate asset allocation. Our portfolios are generally made up of ETFs, mutual funds and other publicly traded investment vehicles. Our team often assists in the design of “Investment Policy Statements” which outline a thoughtful, well-documented process of managing portfolios in a fiduciary manner. These documents are beneficial not only to the account owner, but also those who may find themselves in charge of someone else’s assets, such as a Trustee or Guardian. Additionally, Vernick Financials’ roots are in financial planning and we are happy to create a comprehensive, evolving financial plans for our investment management clients - typically at no additional cost.We are also proud to offer services that help Guardians work in their ward’s best interest. Our team has extensive experience working with guardians and a deep understanding of the responsibilities they have as fiduciaries. Securities offered through: Cadaret Grant and Co, Inc. Member FINRA/SIPC Cadaret Grant and Co., Inc. and Vernick Financial Planning are separate entities.