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Genuine Relationships, Global Resources

Asset Integration Consultants is not just a name, it's a foundational philosophy. We believe the different areas of your finances should fit together and support each other. Rather than look at investments in isolation or ignore assets we are not managing, we take a holistic approach and view each piece of your financial situation within the context of the greater whole. As life and your circumstances change, so should your financial plan.

You want a solutions provider to oversee the multi-dimensional aspects of your family’s financial affairs. That’s our job. And we do it well.


Mapping The Voyage – Too often, people start with their investment account when plotting their financial future. Our approach begins with a clear understanding of where you are and where you ultimately want to be and a well thought out strategy of how to get there. We are, first and foremost, a planning firm. Our role is to make it possible for you to achieve your personal, financial, and lifestyle aspirations. We are here to guide and counsel you to make sound financial decisions as you set your course for success. We know the waters and how to navigate safely through them.

Managing Risk – Only when the course has been plotted and the ship has been well supplied, should you begin your voyage to the future. Even then, we recognize that there are times to sail – economic winds drive Bull Market returns, times to row – Bear Market headwinds create choppy seas, and most importantly there are also times when it is best to stay in the harbor. Therefore, our management style is to be flexible and opportunistic, while placing emphasis on risk control.

Maintaining Course – As the seas change, the winds shift, and the destination adjusts, it is important to maintain focus on the horizon.  We understand that you require knowledge, not just information. We place significant emphasis on keeping you informed about your position in your voyage and any course corrections that should be made. We have the tools and resources, both state of the art and those of old school reliability, to do just that.

The Waterway From Here To There Is Shorter For Those Who Know The Way - Some will achieve financial success through luck. Most have strategy. They save and invest, grow and protect, and work with advisors to help guide their way. If you’re looking to get somewhere; we know how to set a course. It’s what we do. And we do it well.

How We Work For You

If you are ready to commit to having a team of the industry’s most talented professionals backing you up, we’re ready to do just that. The next step is yours. Schedule an appointment to start your voyage to financial, personal, and lifestyle success.

Schedule A Meeting


A Team You Can Trust

For years, people have turned to Asset Integration Consultants for all of their financial needs. As an independent firm, the team is able to offer more in the way of products, personal service and much-deserved attention.

Sean M. Bennett, CFP® Photo Sean M. Bennett, CFP® Hover Photo

Sean M. Bennett, CFP®

President + CEO
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A graduate of the University of South Carolina, Sean has been providing financial planning assistance to clients since 1992.  After completing his course work at College of Charleston, he received his CERTIFIED FINANCIAL PLANNER™, professional certification from the Certified Financial Planner Board of Standards in 2000.

Sean also serves his community as a member of the South Carolina Senate, representing District 38 (Dorchester, Charleston, and Berkeley Counties).  He has served on the Executive Committee and Board of Directors of the Charleston Regional Development Alliance, serving at Chairman from 2010-11. He is also a past president of the Rotary Club of Summerville, the Greater Summerville/Dorchester County Chamber of Commerce and Summerville Catholic School board.

Sean is a Liberty Fellow, a Riley Fellow of the Diversity Leadership Institute at Furman University, a Fellow of the Aspen Institute's Rodel Fellowship in Public Leadership, graduate of Leadership South Carolina and member of the American Enterprise Institute Leadership Network.

Sean, his wife Tina, and daughters Haile & Hayden Grace reside in Summerville, SC and are members of St. John the Beloved Catholic Church. He enjoys boating, travel, and F3 fitness.

Sean Bennett is a registered representative of Cambridge Investment Research Inc. and investment advisor representative of Cambridge Investment Research Advisors, Inc.


Rebecca Hyer Woods, CLU Photo Rebecca Hyer Woods, CLU Hover Photo

Rebecca Hyer Woods, CLU

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After completing coursework at The American College in Bryn Mawr, Pennsylvania, Becky received her Chartered Life Underwriter (CLU) designation.

Becky is an active member and advocate of the National Association of Insurance & Financial Advisors (NAIFA) where she is a Past President of the Lowcountry Chapter. She is also a member of the Society of Financial Service Professionals and the Greater Summerville/Dorchester County Chamber of Commerce.

Becky and her husband, Allen Woods, are members of the Presbyterian Church on Edisto Island, and she is quite active in tennis leagues across the lowcountry.  They have four grandchildren, Cole, Winnie, Ella, and Caroline.

Rebecca Hyer Woods is a registered representative of Cambridge Investment Research, Inc. She is registered in SC.

Kirsten Artman Photo Kirsten Artman Hover Photo

Kirsten Artman

Client Services Manager
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With years of customer service experience within the financial services industry, Kirsten is responsible for all client service issues for the firm. Kirsten’s role is to guide our clients through the often-mazelike process of financial organization. Her number one objective is to simplify and streamline the very complicated and cumbersome world of personal finance.

Kirsten is a graduate of the University of Wyoming and resides in Summerville, SC with her husband of 25 years, Jeff. She has one son, Tony, a graduate of Clemson University. They are members of St. Luke’s Lutheran Church.

Kirsten is Life, Accident, & Health insurance licensed in the state of SC and is a registered administrative representative of Cambridge Investment Research, Inc.


The Personal Wealth Portal was designed from the ground up for those who want the most out of their wealth accumulation, management, and protection advisors. We then tailored our service model to incorporate these factors into every facet of our business. The result is a firm that is client-centric, laser focused, and committed to your success.




Monthly Economic Update September 2018

In this month’s recap: stocks make history, consumer confidence rises, the housing market’s summer slump continues, and a new trade pact might replace NAFTA.


Wall Street had much to celebrate in August. The S&P 500 and Nasdaq Composite both reached historic heights, with the Nasdaq crossing two 1,000-point milestones in a calendar year for the first time since 1999. The current bull market became the longest on record. U.S. stock exchanges outperformed many others around the world, as imposed tariffs and currency troubles in the emerging markets gave overseas investors pause. Major commodities largely lost ground. U.S. economic indicators were again strong for the most part, aside from those in the housing sector.1


As August ended, the White House was trying to forge a new multi-national trade deal to replace the North American Free Trade Agreement (NAFTA). Mexico and the U.S. tentatively agreed to a new trade pact that would increase wages for Mexico’s workers, keep Mexican agricultural exports free from U.S. import taxes, and require 75% of the value of vehicles sold in North America to be produced in either America, Canada, or Mexico (a 12.5% increase). The Trump administration hoped to have Canada join the preliminary accord by September 1, but it decided not to do so, partly due to a disagreement over the treatment of dairy prices. Negotiations between the U.S. and Canada are set to continue this month.2,3

The most respected consumer confidence index in America displayed a remarkably high reading in August. The Conference Board’s barometer reached 133.4, gaining 5.5 points from its (revised) July mark. The University of Michigan’s index ended August at a solid 96.2; its initial August mark was 95.3.4

The latest Department of Commerce snapshot of consumer spending and incomes looked good: personal spending was up 0.4% for July, wages up 0.3%. Appropriately, July also witnessed a retail sales advance of 0.5%.4

As for job creation, the July report from the Department of Labor showed payrolls expanding by a net 157,000 positions; a Reuters poll of economists had forecast a gain of 190,000. Despite the miss, the main jobless rate ticked down 0.1% to 3.9%, while the broader U-6 rate, encompassing underemployed Americans, declined 0.3% to a 17-year-low of 7.5%. Annual wage growth remained at 2.7%.5

Yearly inflation, unfortunately, was running above 2.7%. The July Consumer Price Index measured it at 2.9% through July, the highest number seen since February 2012. (The headline Producer Price Index was flat for July; that left its year-over-year gain at 3.3% and the annualized advance of the core PPI at 2.7%.)6,7

 The service sector and the factory sector expanded at a noteworthy pace in July, by the estimation of the Institute for Supply Management. ISM’s purchasing manager index for the manufacturing industry fell from a very high 60.2 reading to a mark of 58.1, but this nonetheless signals impressive expansion. The Institute’s non-manufacturing gauge dropped 3.4 points to 55.7 in July, still a good reading.8


Emerging market currencies continued to be hit hard in August. Nations holding large amounts of dollar-denominated debt have been put in a tough situation with the Federal Reserve raising interest rates and the greenback gaining strength. The Turkish lira dropped 18.5% on August 10, after President Trump’s pledge to double tariffs on imported Turkish aluminum and steel; through mid-August, it was down 40% versus the dollar on the year. Argentina’s peso slipped to a record low early in the month, several weeks after the nation received a $50 billion bailout from the International Monetary Fund. In late August, Argentina raised its benchmark interest rate from an already astonishing 45% to 60%, with its banking officials stating it would remain that high through the end of November. Hopefully, these troubles will not prove contagious.9,10

 As August concluded, it appeared the European Union and United Kingdom were willing to reset their October Brexit withdrawal treaty deadline. Meanwhile, Italy made noise about possibly vetoing the new E.U. budget, as its 10-year note yields spiked to levels approaching those seen in the 2012 European debt crisis. Concerns about China’s powerhouse economy losing some of its momentum were eased a bit last month. The country’s official manufacturing purchasing managers index displayed a decent 51.3 reading, topping the 51.0 consensus forecast of economists polled by Reuters; its official service sector PMI improved 0.2 points to 54.2, although new orders for the sector weakened. U.S. tariffs are still set to impact $200 billion worth of Chinese exports in the coming months.11,12


Chinese stocks did not fare well in August: the Shanghai Composite descended 5.25%. Other notable benchmarks took sizable losses: Spain’s IBEX 35 fell 4.78%; the U.K.’s FTSE 100, 4.08%; Germany’s DAX, 3.45%; Brazil’s Bovespa, 3.21%; the MSCI Emerging Markets index, 2.90%; the FTSE Eurofirst 300, 2.60%; Hong Kong’s Hang Seng, 2.43%. France’s CAC 40 lost 1.90%; Canada’s TSX Composite, 1.04%; Mexico’s Bolsa, 0.30%.13,14

 Now onto better news: the August advances. India’s Nifty 50 gained 2.85%, and its Sensex improved 2.76%. The Nikkei 225 rose 1.38%; South Korea’s Kospi, 1.20%; Taiwan’s TSE 50, 1.09%; Russia’s Micex, 1.07%; MSCI’s World index, 1.04%; the Australian All Ordinaries, 0.97%.13,14


Cocoa was the big winner among headlining commodities in August, rising 7.70%. Heating oil and natural gas also scored big wins, respectively adding 5.61% and 5.03%. Crude’s August gain of 2.12% was also noteworthy; oil settled at $69.88 a barrel on the NYMEX August 31. The U.S. Dollar Index and sugar also notched small monthly gains, the former improving 0.63%, the latter 0.19%.15,16

 Key metals suffered another month of setbacks. Gold lost 1.75% to end the month at $1,206.90 on the COMEX; silver, 7.02%, to wrap up the month at $14.43. Platinum futures slid 6.31%; copper futures, 6.38%. Unleaded gasoline took a tumble, losing 5.99%. Several major crop futures had a rough month: corn lost 5.44%; soybeans, 7.75%; wheat, 6.40%; coffee, 10.74%; cotton, 8.71%.15


August was another subpar month for home buying. The National Association of Realtors said existing home sales fell 0.7% during July, after declining 0.6% for June. Subsequently, the Census Bureau announced a 1.7% July retreat for new home sales, following a (revised) 2.4% June pullback. The NAR’s pending home sales index, which measures housing contract activity in the resale market, dipped 0.7% in July after its (revised) 1.0% gain a month earlier.4

Data again affirmed that homes and home loans had become less affordable. In its June edition, the 20-city S&P CoreLogic Case-Shiller index showed home values rising 6.3% in the past 12 months (the gain had been 6.5% in the May edition). Freddie Mac’s Primary Mortgage Market Survey of August 30 reported the average interest rate on a conventional mortgage at 4.52%; in the first PMMS of 2018 (January 4), the mean interest rate was just 3.95%. Similar increases occurred for the average interest rate on the 15-year FRM, which went from 3.38% to 3.97% in that span, and the mean rate for the 5/1-year ARM, which rose from 3.45% to 3.85%.4,17

 The Census Bureau’s latest monthly report on U.S. residential construction activity showed that the pace of building permits issued increased by 1.5% in July, while the rate of housing starts increased by 0.9%.4

T I P   O F   T H E   M O N T H

New parents? You may not have to spend as much to clothe and entertain your child as you think. Financially speaking, pre-owned clothes and toys are a thrifty choice, as babies and toddlers grow fast and change interests quickly.



Jumping 5.71% in a month, the Nasdaq Composite cracked the 8,000 ceiling for the first time, settling at 8,109.54 on August 31. The Russell 2000 also had a fine month, climbing 4.19% to finish August at 1,740.75; that left its YTD gain at 13.37%. The S&P 500 advanced 3.03% to 2,901.52 during its own record-setting month; across the three months ending in August, it gained 7.25%. Blue chips followed suit: the Dow Industrials rose 2.16% last month to 25,964.82. The CBOE VIX was fairly flat in August, up 0.23% to 12.86 and ending the month at +16.49% on the year.16
















S&P 500






8/31 RATE









Sources: barchart.com, bigcharts.com, treasury.gov - 8/31/181,19,20,21
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.
 What do you say about a nine-and-a-half-year-old bull market that sends the S&P 500 to an all-time high? Do you marvel at it? Do you question it? Do you worry about what might be ahead? If you are an experienced investor, you probably do all three. Despite this or that prognostication, the expiration date for this amazing bull is ultimately anyone’s guess. Cautious optimism may be warranted given what has been happening with tariffs and certain currencies. The healthy economy we see now could wane in coming quarters, when the business cycle enters the phase where supply exceeds demand (at some point, it will happen). The bulls may decide to just mill around in September and wait for the next earnings season to begin; whether they sit on the sidelines or not, this may be a good time to review the state of your investments and see just how much of your portfolio is held in equities. If you have not done this in the past few years, think about doing it today. An abrupt Wall Street downturn might seem improbable at the moment, but a nine-and-a-half-year-old bull market that suddenly propels stocks to record peaks also definitely qualifies as an improbability.


Q U O T E   O F   T H E   M O N T H

He who limps still walks.

Stanislaw Lec



The important news items across the balance of September include: ISM’s August non-manufacturing PMI and the ADP payroll report and Challenger job-cut numbers for August (9/6), the Department of Labor’s August employment report (9/7), a new Producer Price Index (9/12), the latest Consumer Price Index (9/13), the initial September University of Michigan consumer sentiment index, August retail sales, and August industrial production (9/14), August housing starts and building permits (9/19), a new NAR report on existing home sales and the Conference Board’s August leading indicators index (9/20), the latest S&P CoreLogic Case-Shiller home price index and Conference Board consumer confidence index (9/25), a Federal Reserve interest rate decision and fresh Census Bureau data on new home sales (9/26), reports on August pending home sales and durable goods orders and the third estimate of Q2 GDP (9/27), and then August personal spending, the August PCE price index, and the final September University of Michigan consumer sentiment index (9/30).

T H E  M O N T H L Y   R I D D L E

Two parents have four girls, and each girl has one brother. Given this, how many people are in this family?


LAST MONTH’S RIDDLE: The 22nd and 24th Presidents had the same biological mother and father yet were not brothers. How was this possible?

ANSWER: Grover Cleveland was both the 22nd President and the 24th President.


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Please feel free send us their contact information via phone or email. (Don’t worry – we’ll request their permission before adding them to our mailing list.)



Sean M. Bennett, CFP®
President + CEO

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. The Russell 2000 Index measures the performance of the small-cap segment of the U.S. equity universe. The CBOE Volatility Index® (VIX®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. The BSE SENSEX (Bombay Stock Exchange Sensitive Index), also-called the BSE 30 (BOMBAY STOCK EXCHANGE) or simply the SENSEX, is a free-float market capitalization-weighted stock market index of 30 well-established and financially sound companies listed on the Bombay Stock Exchange (BSE). The Nifty 50 (NTFE 50) is a well-diversified 50-stock index accounting for 13 sectors of the Indian economy. It is used for a variety of purposes such as benchmarking fund portfolios, index-based derivatives and index funds. The Bovespa Index is a gross total return index weighted by traded volume & is comprised of the most liquid stocks traded on the Sao Paulo Stock Exchange. The MERVAL Index (MERcado de VALores, literally Stock Exchange) is the most important index of the Buenos Aires Stock Exchange. The Mexican Stock Exchange, commonly known as Mexican Bolsa, Mexbol, or BMV, is the only stock exchange in Mexico.  The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. The MSCI World Index is a free-float weighted equity index that includes developed world markets and does not include emerging markets. The DAX 30 is a Blue-Chip stock market index consisting of the 30 major German companies trading on the Frankfurt Stock Exchange. The CAC-40 Index is a narrow-based, modified capitalization-weighted index of 40 companies listed on the Paris Bourse. The FTSEurofirst 300 Index comprises the 300 largest companies ranked by market capitalisation in the FTSE Developed Europe Index. The FTSE 100 Index is a share index of the 100 companies listed on the London Stock Exchange with the highest market capitalization. The MICEX 10 Index is an unweighted price index that tracks the ten most liquid Russian stocks listed on MICEX-RTS in Moscow. The FTSE TWSE Taiwan 50 Index consists of the largest 50 companies by full market value and is also the first narrow-based index published in Taiwan. The All Ordinaries (XAO) is considered a total market barometer for the Australian stock market and contains the 500 largest ASX-listed companies by way of market capitalization. Nikkei 225 (Ticker: ^N225) is a stock market index for the Tokyo Stock Exchange (TSE).  The Nikkei average is the most watched index of Asian stocks. The SSE Composite Index is an index of all stocks (A shares and B shares) that are traded at the Shanghai Stock Exchange.  The Hang Seng Index is a free float-adjusted market capitalization-weighted stock market index that is the main indicator of the overall market performance in Hong Kong. The Korea Composite Stock Price Index or KOSPI is the major stock market index of South Korea, representing all common stocks traded on the Korea Exchange. The S&P/TSX Composite Index is an index of the stock (equity) prices of the largest companies on the Toronto Stock Exchange (TSX) as measured by market capitalization. The US Dollar Index measures the performance of the U.S. dollar against a basket of six currencies. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

1 - seattletimes.com/business/what-to-do-with-the-market-back-at-record-highs/ [9/1/18]
2 - reuters.com/article/us-trade-nafta-factbox/winners-and-losers-from-the-new-nafta-deal-idUSKCN1LF2O9 [8/30/18]  
3 - chicagotribune.com/news/nationworld/politics/ct-trump-canada-nafta-20180831-story.html [8/31/18]
4 - investing.com/economic-calendar/ [8/31/18]
5 - nasdaq.com/article/us-job-growth-slows-in-july-unemployment-rate-drops-20180803-00414 [8/3/18]
6 - tradingeconomics.com/united-states/inflation-cpi [9/1/18]
7 - tradingeconomics.com/united-states/producer-prices [9/1/18]
8 - instituteforsupplymanagement.org/ISMReport/NonMfgROB.cfm [8/3/18]
9 - money.cnn.com/2018/08/14/investing/turkey-lira-emerging-market-crisis/index.html [8/14/18]
10 - money.cnn.com/2018/08/30/news/economy/argentina-interest-rates-currency/index.html [8/30/18] 
11 - bloomberg.com/news/articles/2018-08-30/what-happened-this-week-in-the-world-economy-and-what-it-means [8/30/18]
12 - cnbc.com/2018/08/31/chinese-pmi-china-reports-official-manufacturing-purchasing-managers-index-for-august.html [8/31/18]
13 - markets.on.nytimes.com/research/markets/worldmarkets/worldmarkets.asp [8/31/18]
14 - msci.com/end-of-day-data-search [8/31/18]  
15 - money.cnn.com/data/commodities [8/31/18]
16 - barchart.com/stocks/indices?viewName=performance [8/31/18]
17 - freddiemac.com/pmms/archive.html [8/31/18]
18 - money.cnn.com/data/markets/russell [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]
20 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [8/31/18]
 21 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [8/31/18]

When was the last time you measured the level of risk you are comfortable exposing your assets?

 When was the last time you compared that level of risk with the actual risk that your accounts are exposed?

Does My Portfolio Fit Me?



Comprehensive Wealth Management

Asset Integration Consultants is not just a name, it's a foundational philosophy. We believe the different areas of your finances should fit together and support each other. Rather than look at investments in isolation or ignore assets we are not managing, we take a holistic approach and view each piece of your financial situation within the context of the greater whole. As life and your circumstances change, so should your financial plan.

How We Work For You


Investment Advisory Services

In a well-constructed portfolio, each investment fulfills a specific function and is appropriate for your unique situation. We provide objective, unbiased investment recommendations that are based upon your personal needs, so that you can make smarter investment decisions. We add value with our investment advice by aligning your personal preferences and priorities.

The Value of the Investment Policy Statement

Investment Risk Management

We combine cutting edge technology with real world experience to identify your acceptable levels of risk and reward with unparalleled accuracy. Then we build investment portfolios that align with your investment goals and expectations while focusing on downside protection. We know that the best financial decisions are made when expectations are met and emotional reactions are minimized.

How Does Risk Affect You?

Does My Portfolio Fit Me?


Retirement Planning

Knowing that you will have enough money in retirement is critical to any financial plan. Our team helps you understand your current financial path, empowering you to make changes if necessary. We also help clients nearing retirement reposition their portfolio from an accumulation focus to that of distribution.

Retirement Income Planning is Different


We help you identify financial risks and discuss different types of insurances to help protect yourself and your family from risks you cannot afford to take on your own.

What Questions Should You Ask?

Cash Flow Management

Budgeting is deciding how you will spend your money so that you are making regular progress toward your goals. We will help you understand the difference between good and bad debt, talk about setting aside for emergencies and special opportunities, and if needed, help you gain control over your spending.

How Can You Reduce Debt?

Tax Planning

Taxes are a significant lifetime expense. Although we do not offer tax preparation, we review your tax situation and look for opportunities to reduce your tax bill. We work in conjunction with your tax professional to assist in looking at the big picture and not just the current tax year.


Located in Historic Downtown Summerville, South Carolina

Located in Historic Downtown Summerville, South Carolina


121 South Cedar Street
Summerville, SC 29483




(843) 821-3009


(800) 867-5590


(843) 851-0516