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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: April 2018

In March, stocks faced another significant challenge. The Trump administration’s sudden plan to institute tariffs on imports sent a shudder through the bulls. All three major Wall Street benchmarks fell more than 2.5% during the month as investors around the world considered the prospect of trade wars involving American, Chinese, and European products. The Federal Reserve raised the target range for the federal funds rate by another quarter point; mortgage rates were little changed for the month, and existing home sales improved. In Europe, leaders agreed on how the Brexit would unfold. The value of bitcoin declined, while gasoline and oil futures rallied. All in all, it was an eventful and volatile month for the economy and the markets.1

As March began, President Trump announced that the U.S. would soon impose tariffs of 25% on imported steel and 10% on imported aluminum. Those excise taxes were authorized before the month ended; some nations (including Canada and Mexico) received short-term exemptions from them. Another set of tariffs, about $60 billion annually, were envisioned for various Chinese imports. This last action prompted a direct reaction in China (see “Global Economic Health” below).2,3

The nation’s central bank lifted the benchmark interest rate slightly. Making its sixth, quarter-point hike in less than a year and a half, the Federal Reserve increased the target range on the federal funds rate to 1.50-1.75%. The dot-plot representing the consensus forecast of Fed policymakers still showed a total of three rate hikes for 2018. (Three hikes are also projected for 2019.)4

While investors fretted over possible economic backlash from tariffs, fundamental economic indicators largely delivered good news. Non-farm payrolls swelled with 313,000 net new hires in February, according to the Department of Labor; the headline unemployment and U-6 unemployment rates were respectively unchanged at 4.1% and 8.2%.5

Manufacturing output improved 1.2% in February, while industrial output was up 1.1% (and 4.4% year-over-year). The Institute for Supply Management’s manufacturing purchasing manager index climbed to 60.8 in February, rising 1.7 points. ISM’s service sector PMI declined 0.4 points in February to a still-impressive 59.5.5,6

Household spending increased by 0.2% in February according to the Department of Commerce, with household incomes up 0.4%. The two most-respected consumer confidence indices were still at lofty heights. The University of Michigan’s gauge went from 99.7 at the end of February to a preliminary March mark of 102.0, then a final March reading of 101.4; the Conference Board’s barometer declined to 127.7 from 130.0.5

As for inflation pressure, it moderated slightly: the annualized rise of the Consumer Price Index ticked up to 2.2% in February, with the annualized core CPI gain remaining at 1.8%. Producer prices, though, were up 2.8% year-over-year through February.5

China followed America’s declaration of tariffs on Chinese imports with a plan to levy excise taxes on U.S. products arriving at its borders. It threatened to tax as many as 120 different products (including wine and fruit) with a 15% tariff, unless both nations settled their trade differences “within a stipulated time.” China also suggested that a 25% excise tax could apply to another set of U.S. imports, including aluminum and pork. While Secretary of Commerce Wilbur Ross said in late March that the U.S. was willing to resume negotiations over the Trans-Atlantic Trade and Investment Partnership, leaders of European Union nations were concerned about what would happen after May 1, when the short-term E.U. exemption from steel and aluminum tariffs would run out. E.U. leaders have requested a permanent exemption from the U.S. metals tariffs and threatened excise taxes on U.S. imports if that does not happen.7,8

The United Kingdom’s path to leaving the E.U. became a bit clearer in March, thanks to new terms agreed to between E.U. and U.K. diplomats. After leaving the E.U. in March 2019, the U.K. will keep all E.U. rules in effect through the end of 2020, while forfeiting its ability to have any say in E.U. decisions. Ireland remains a question mark; an agreement signed in 1988 lets goods and people move through Ireland freely, without a formal border crossing; instituting a formal border could impede trade and travel to and from that republic.9

A few consequential foreign benchmarks rose last month, but not by much. There were gains of 0.39% for Malaysia’s KLSE Composite, 0.43% for Taiwan’s TSE 50, and 0.76% for South Korea’s Kospi. Brazil’s Bovespa was flat (up 0.01%).10

There were many retreats. The MSCI World index lost 2.48%; the MSCI Emerging Markets index, 2.17%. Both Indian benchmarks slipped: the Nifty 50 slumped 3.61%; the BSE Sensex, 3.56%. The Shanghai Composite lost 2.77%; the Hang Seng, 2.44%; the Nikkei 225, 2.78%. Australia’s All Ordinaries tumbled 4.06%. Argentina’s Merval dove 5.74%; Mexico’s Bolsa retreated 2.77%. The major western European indices all lost 2% or more last month: the FTSE 100 sank 2.42%; the DAX, 2.73%; the FTSE Eurofirst 300, 2.35%; the CAC 40, 2.88%; the IBEX 35, 2.44%. Russia’s Micex only fell 1.12%. In Canada, the TSX Composite lost 0.49%.10,11


Energy futures advanced significantly in March. Out in front, unleaded gasoline jumped 16.71%; heating oil gained 6.82%; WTI crude, 5.51%; natural gas, 2.40%. Oil’s rise left the NYMEX price at $64.94 at the close on March 29. Another big March jump occurred for a crop: cocoa surged 15.84%. While corn added 3.68% last month, a few other notable ag futures posted declines big and small: soybeans retreated 0.05%; cotton, 1.77%; coffee, 1.91%; wheat, 6.58%; sugar, 8.38%.12

The U.S. Dollar Index also took a March loss, albeit one of only 0.51%; it settled at 90.15 on March 29.13,14 

Three of the four key metals lost ground in March as well. Copper descended 2.69%; silver, 0.35%; platinum, 6.01%. Gold rose 0.36%. On the COMEX, gold finished March at $1,327.30; silver, at $16.27.12

Existing home sales picked up 3.0% in February, according to the National Association of Realtors. That gain occurred even with just 3.4 months of inventory available; the typical home sold in February stayed on the market for just 37 days. NAR’s pending sales index rose 3.1% in February, a very good signal for March. New home buying weakened 0.6% in February, the Census Bureau noted; that marked a third consecutive monthly decline.15

A major dip for apartment construction sent total housing starts down 7.0% in February; the Census Bureau also reported a 5.7 % fall for building permits. As for home prices, the lagging S&P CoreLogic Case-Shiller Composite Home Price Index (most recent edition: January) still shows them up 6.4% year-over-year.5,15

Mortgage rates were almost unchanged last month. The average interest rate for the 30-year, fixed-rate loan was at 4.44% in Freddie Mac’s March 29 Primary Mortgage Market Survey, just 0.01% higher than on March 1. While the average interest on the 5/1-year ARM rose 0.04% in that period to 3.66%, the average interest rate for the 15-year FRM was 3.90% in both survey editions.16

Volatility spiked in late March, yet the CBOE VIX really did not rise much for the month: 0.60%. The Russell 2000 advanced 1.12% for March. The big three suffered big losses: the Nasdaq Composite fell 2.88%; the Dow Jones Industrial Average, 3.70%; the S&P 500, 2.69%. The settlements on March 29: DJIA, 24,103.11; S&P, 2,640.87; COMP, 7,063.45; RUT, 1,529.43; VIX, 19.97.1,17
















S&P 500






3/29 RATE










Sources: wsj.com, bigcharts.com, treasury.gov – 3/29/1817,18,19,20
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.


Investors weary from two rough months for equities have something to look forward to in April: a new earnings season begins in the middle of this month. In recent years, April has been a very good month for the market; the S&P 500 has advanced in nine of the past ten Aprils, in fact. The index has averaged a 1.5% gain in April since 1950. What will happen in April 2018 is anybody’s guess, but bulls may be reassured by such Wall Street history. In addition, a forecast from FactSet is worth noting: the stock market analytics company projects that S&P 500 firms will report an 18% increase in earnings for fiscal 2018. If that happens, it would be the strongest annual earnings growth in eight years. It is hard to imagine the stiff headwinds now on Wall Street abruptly easing up, but perhaps stocks will take a turn for the better as the second quarter proceeds.21 

UPCOMING ECONOMIC RELEASES: In addition to earnings calls, investors will pay attention to these news items in April: the March ISM non-manufacturing PMI, February factory orders, and ADP’s March employment change report (4/4), a new Challenger job-cut report (4/5), the Department of Labor’s latest employment report (4/6), the March Producer Price Index (4/10), the March Consumer Price Index and minutes from the last Federal Reserve policy meeting (4/11), the University of Michigan’s preliminary April consumer sentiment index (4/13), March retail sales (4/16), March industrial output and construction activity (4/17), a new Beige Book from the Fed (4/18), the Conference Board’s latest index of leading indicators (4/19), the March snapshot of existing home sales from the National Association of Realtors (4/23), March new home sales and a new consumer confidence index from the Conference Board (4/24), March durable goods orders (4/26), the final April University of Michigan consumer sentiment index and the first estimate of Q1 GDP from the Bureau of Economic Analysis (4/27), and then March consumer spending and pending home sales and the March PCE price index (4/30).

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 MERVAL Index (MERcado de VALores, literally Stock Exchange) is the most important index of the Buenos Aires Stock Exchange. 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 MICEX 10 Index is an unweighted price index that tracks the ten most liquid Russian stocks listed on MICEX-RTS in Moscow. 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 MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. The FTSE 100 Index is a share index of the 100 companies listed on the London Stock Exchange with the highest market capitalization. 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 Mexican Stock Exchange, commonly known as Mexican Bolsa, Mexbol, or BMV, is the only stock exchange in Mexico. 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 IBEX 35 is the benchmark stock market index of the Bolsa de Madrid, Spain’s principal stock exchange. 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 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 FTSE Eurofirst 300 measures the performance of Europe’s largest 300 companies by market capitalization and covers 70% of Europe's market cap. 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 MSCI World Index is a free-float weighted equity index that includes developed world markets, and does not include emerging markets. The US Dollar Index measures the performance of the U.S. dollar against a basket of six currencies. The PHLX Semiconductor Sector IndexSM (SOXSM) is a modified market capitalization-weighted index composed of companies primarily involved in the design, distribution, manufacture, and sale of semiconductors. 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 - bloomberg.com/markets/stocks [3/29/18]
2 - tinyurl.com/ya6t7jdf [3/8/18]
3 - nytimes.com/2018/03/23/business/trade-tariffs-markets-stocks-bonds.html [3/23/18]
4 - marketwatch.com/story/fed-lifts-rates-in-powells-first-meeting-says-outlook-has-strengthened-2018-03-21 [3/21/18]
5 - investing.com/economic-calendar/ [3/30/18]
6 - instituteforsupplymanagement.org/ISMReport/MfgROB.cfm?SSO=1 [3/1/18] 
7 - tinyurl.com/ybrj4lb6 [3/23/18]
8 - bloomberg.com/news/articles/2018-03-30/eu-resists-linking-u-s-metal-tariffs-waiver-to-revival-of-ttip [3/30/18]
9 - marketwatch.com/story/eu-agrees-on-two-year-brexit-transition-deal-2018-03-19 [3/19/18]
10 - markets.on.nytimes.com/research/markets/worldmarkets/worldmarkets.asp [3/29/18]
11 - msci.com/end-of-day-data-search [3/29/18]
12 - money.cnn.com/data/commodities/ [3/29/18]
13 - coindesk.com/price/ [3/29/18]
14 - marketwatch.com/investing/index/dxy/historical [3/29/18]
15 - kiplinger.com/article/business/T019-C000-S003-housing-market-forecast-housing-starts-home-sales.html [3/28/18]
16 - freddiemac.com/pmms/archive.html [3/29/18]
17 - markets.wsj.com/us [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F29%2F17&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F29%2F17&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F29%2F17&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F28%2F13&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F28%2F13&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F28%2F13&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F28%2F08&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F28%2F08&x=0&y=0 [3/29/18]
18 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F28%2F08&x=0&y=0 [3/29/18]
19 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [3/29/18]
20 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [3/29/18]
21 - cnbc.com/2018/03/30/stocks-should-see-a-spring-boost-in-april-says-lpls-ryan-detrick.html [3/30/18]   

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