Our Services

  What makes Sycamore Financial Advisors stand out in the crowd is financial consultants who are carefully selected for our ability to provide best in class services from basic to complex and everything in between with a prudent and commonsense approach.


Financial Planning

 Our objective is to ensure that client portfolios are diversified and aligned with your personal circumstances and long-term goals in an effort to achieve the best possible outcome in any market scenario.  We will take the time to understand your goals and work to help you enjoy life today while planning for tomorrow, dreams included.

 We use several financial planning tools to guide you toward a more secure financial future. One of these enables the incorporation of detailed goals and risk tolerances for two individuals with analyses of "What If Plan Results" for unknowns related to life insurance, disability, long-term care needs and cash flow in retirement.  It features Stress Tests that show the effects on a portfolio of hypothetical events against historical returns, possible investment losses and the Safety Margin needed to withstand market ups and downs.  Monte Carlo simulations show how making small adjustments now can have a big impact on your chances of reaching your goals.  And we keep you engaged in the progress of your financial plan, which means you'll be more likely to meet your objectives.

 Another software tool we use focuses more narrowly on asset allocation.  Based on your time frame for different financial objectives and risk tolerance, this tool presents a diversified portfolio with a mix of asset classes and subclasses (e.g., cash, fixed income, stocks, real estate).  Sycamore Financial Advisors offers a range of products for asset allocation including stocks, bonds, mutual funds, REITs, IRAs and fixed annuities from major carriers.

 We are supported by a team of in-house professionals from Charles Schwab and Company. 

 Sycamore Financial Advisors employs Charles Schwab’s fixed income traders assist with portfolio review and building bond ladders and we work closely with Agency Services Incorporated to find the right Insurance solutions for individual clients.  These are examples of the resources at our disposal to help you reach your ongoing financial objectives. 

Retirement Planning

 Many people are aware of the financial risks they face, yet have done little to address the issues in ways that will make a difference in their long-term financial security. According to the Employee Benefit Research Institute, a little more than half of full-time working Americans (57%) participate in a retirement plan.  Indeed, even if you have a pension that seems fairly solid, a 401(k) or both, you could still be at financial risk if your overall portfolio is not optimized for performance.

If you choose to share comprehensive financial information, We will start by examining your pension, 401(k) and non-employer-based assets to ensure that holdings complement one another, not duplicate.  Based on risk profile and time horizon, we seek to maximize performance and reduce risk through overall portfolio diversification.  This may include recommendations for adding asset categories like real estate or international funds that have a low or negative correlation to other holdings.

 Paying for health care and long-term care in the absence of family caregivers is one of the biggest wild cards in the retirement planning game, especially given the projections for soaring medical costs and corporate cutbacks in retiree health benefits.  We factor into our analyses the costs of health care and long-term care, including the financial burdens you may assume when caring for an elderly parent.  We also explain the roles of Medicare, Medicaid, retiree health benefits and private health insurance in the overall financial plan.

 We recommend strategies that seek to meet or outperform specific market segments with as little risk as possible to your assets.  We are committed to protecting your hard-earned money while we work to make it grow.

 Mutual funds, annuities and other investment products are not insured by the FDIC; are not deposits or other obligations of, or guaranteed by, any bank or affiliate; and are subject to investment risks, including the possible loss of principal amount invested.

 Note: Sycamore Financial Advisors does not provide tax advice. Please consult your tax advisor.

Education Planning

 According to collegeboard.com, 2007-08 in-state tuition and fees at public four-year institutions average $6,185 and average total charges including room and board are $13,589.  Out-of-state tuition and fees at public four-year institutions average $16,640; including room and board drives the average total bill to $24,044.  When you multiply these numbers by four, it's easy to see why it's important to work with a professional on planning for college expenses.

 The good news is there are many ways to deal with the college funding issue at any stage of the game.  We advise clients who are planning ahead on potentially higher­ yielding investments that can make a big difference in the amount of money they can accumulate for college expenses.  Even if a child is on the doorstep of the institution, We can offer suggestions that may go beyond the immediate issue to ease overall financial stress.

 ·         Automatic Investment Plans

·         529 College Savings Plans

·         UTMAs, UGMAs

 Mutual funds, annuities and other investment products are not insured by the FDIC; are not deposits or other obligations of, or guaranteed by, any bank or affiliate; and are subject to investment risks, including the possible loss of principal amount invested.

Estate Planning Services 

Some people are under the false impression that having a will is all the estate planning they need to do.  It's not.  Life insurance, retirement planning, asset protection and other factors are intertwined and all play a role in minimizing tax effects and maximizing protection for you and your heirs.  From basic life insurance and asset distribution planning to complicated estate plans and trusts, We work closely with the Sycamore Financial Advisors Insurance Group to develop personalized estate planning solutions for individual clients.

 ·         Fixed & variable annuities

·         Life insurance, including Term Life, Universal Life, Variable Universal Life, Single Premium Life, Return of Premium Term, Universal Life with Long-Term Care Benefits

·         Health insurance

·         Disability insurance

·         Long-term care insurance

·         Wealth transfer strategies

·         Charitable and endowment services

 Our estate planning tools present scenarios for one or two people with a will, medical directive and/or power of attorney.  It addresses issues relating to life insurance, leaving money to beneficiaries (how much and over what period of time), business exit planning, provisions for charitable giving and the tax implications of each decision.  Where appropriate, We will coordinate the development of an estate plan with bankers, attorneys and accountants.

 Fixed Income Group

 The professionals on Sycamore Financial Advisors are supported by Charles Schwab’s fixed income trading platform for viewing the inventory of over 300 dealers and 20,000 fixed income securities.  Schwab’s fixed income traders assist our financial advisors with client portfolio review and strategies such as bond ladders.  This in­ house team gives us easy access to expert knowledge for managing your portfolio.

Structured Products Group

 Structured products are securities whose value is a function of the value of an underlying stock, bond or other security.  Sycamore Financial Advisors offers reverse convertible securities, equity-linked COs and other structured products with different risk/return characteristics that can be used for a wide range of portfolio objectives:

     Diversification and risk management

     Yield enhancement

     Income generation

     Meeting total return objectives

     Replacing underperforming investments

     Addressing flat, sideways, bull or bear markets

     Monetizing a market view

     Managing taxes 

Employee Benefits Planning

 We help employers develop cost-effective benefits programs and executive compensation plans to attract and retain valuable employees.

 ·         Group Insurance Plans

·         Disability Insurance

·         Premium Financing

·         Retirement Plan Services

·         Defined Contribution Plan Services

·         Defined Benefit Plans

  Business Succession and Exit Planning

According to the Small Business Administration, about 90% of U.S. businesses are family-owned or controlled.  But only about 30% of family-run companies survive into the second generation and only 10% make it to third-generation status. We help small business clients prepare for leaving their businesses under the most favorable financial conditions.  We look at key issues such as whether the business will be capable of distributing enough income to principals post departure and developing a strategy to maximize value in the short and long terms.  Where appropriate, we will coordinate the development of a business succession and exit plan with bankers, attorneys and accountants.

·         Premium Financing

·         Retirement Plan Services

·         Defined Contribution Plan Services

·         Defined Benefit Plan Services

·         Insurance-based Retirement Plans