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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 November 2018

In this month’s recap: another correction hits Wall Street, housing indicators raise questions, but consumer confidence, consumer spending, and GDP look healthy.


October certainly lived up to its reputation for volatility. The S&P 500 suffered its second correction of the year as investors wondered if they were seeing early signs of the peak of the current business cycle, absorbing news of moderating corporate earnings, while also considering the potential impact of higher interest rates and tariffs. Real estate indicators, for the most part, left much to be desired; labor, manufacturing, and consumer spending and confidence indicators were in better shape. Overseas, major and minor reductions in economic growth were forecast for various nations. In the commodities sector, oil and gasoline posted major losses.1


Housing aside, the domestic economic data arriving in October ranged from middling to excellent. The Institute for Supply Management presented its latest manufacturing purchasing manager index; the September reading was 59.8, down from the previous mark of 61.3, but still superb. ISM’s non-manufacturing PMI reached an all-time peak of 61.6, rising 3.1 points from its August level.2

In a notable miss, the Department of Labor’s September employment report showed U.S. non-farm payrolls adding 134,000 net new hires. Economists surveyed by Bloomberg projected the gain at 185,000, and some wondered if Hurricane Florence might have affected the total. Headline unemployment fell 0.2%, however, to a remarkably low 3.7%. The jobless rate had not been that low since the end of the 1960s. The U-6 unemployment rate, which counts both the unemployed and underemployed, ticked south 0.1% to 7.4%. Another bright spot: the upward revision of the previous two months of hiring totals. The July jobs gain was boosted by 18,000 to 165,000; the August gain was upgraded from 201,000 to 270,000.3,4

The major reports in the following week covered retail sales and consumer prices, and they posed some question marks. Why had retail sales improved just 0.1% in August and September, in a presumably prospering economy? Turning to another closely watched indicator, the annualized rate of consumer inflation fell from 2.7% in August to 2.3% in September. (Core consumer inflation remained at a 2.2% yearly pace.) Seasonal fluctuations in fuel and energy costs may not be enough to explain the variance. Annualized wholesale inflation also declined in September, weakening 0.2% to 2.6%. Speaking of business, data on September industrial and manufacturing production surfaced days later, showing a monthly gain of 0.3% for the first of those two sectors and 0.2% for the second.4

The month’s first important consumer confidence index, the gauge overseen by the University of Michigan, fell 1.1 points in its preliminary edition and another 0.4 points in its final October reading, ending the month at 98.6. On October 30, the Conference Board’s consumer confidence index displayed another noteworthy reading: 137.9, which surpassed its (revised) 135.3 mark in September.4

As the month stretched on, the federal government provided its initial estimate of third quarter economic expansion, and it was solid: 3.5%. That followed a 4.2% pace of growth in Q2. The six months ending in September represented the best back-to-back quarters for the economy since 2014. Additionally, overall hard goods orders rose 0.8% in September (though they were down 0.6% minus defense industry orders).4,5

Personal income and personal spending data for September appeared as October wound down, and one indicator impressed more than the other. While personal spending grew 0.4%, wages were up only 0.2%.4

 Finally, wages improved 2.9% year-over-year through September, as the Department of Labor’s Employment Cost Index pointed out on Halloween. This was the largest annualized wage gain seen in a decade.6


Last month, China’s National Bureau of Statistics reported Q3 economic expansion of 1.6%, leaving the nation’s projected 2018 GDP at 6.5%. The Chinese economy last grew that slowly in Q1 2009. China’s official growth target for the year is 6.5%, but its GDP was running at a 6.7% annual pace when the second quarter ended, prior to the direct impact of tariffs. The International Monetary Fund believes the U.S. tariffs on the P.R.C. will also affect the region’s other economies: in the first half of October, it cut its 2018 GDP estimate for Malaysia by 0.6%, and lowered its GDP projections for Indonesia, the Philippines, and India by 0.1%-0.2%.7,8

 Economic deceleration was also a rising concern in Europe. The European Central Bank projects 2018 eurozone growth of 2.0%, down from 2.5% in 2017. (The bank still intends to conclude its bond-buying campaign in December.) Germany’s Chamber of Industry and Commerce now estimates that nation’s GDP at just 1.8% for 2018, quite a reduction from its previous 2.7% projection. Meanwhile, Italy’s newest proposed budget, which flagrantly disregarded E.U. rules, was chided by E.U. officials who warned of fines for the country if it was not modified. As for the Brexit, much was still unresolved. The possibility of a “blind Brexit” – a Brexit in which the United Kingdom exits the E.U. without any formal future trading agreement established with E.U. nations – was still on the table. In late October, word came that eurozone growth in the third quarter was 0.2%, half that seen a quarter earlier.9,10


Brazilian investors were feeling exceptionally bullish last month. That nation’s main stock index, the Bovespa, gained 10.19% for October. No other major index even came close to that kind of performance. In fact, several benchmarks corrected: Mexico’s Bolsa lost 11.23%; Argentina’s Merval, 11.87%; Hong Kong’s Hang Seng, 10.11%; the Nikkei 225, 10.51%; South Korea’s Kospi, 12.90%; Taiwan’s TSE 50, 10.39%.11

 Other marquee indices avoided month-long corrections, but still fell sharply like ours. MSCI's World index stumbled 7.42% and its Emerging Markets index lost 8.78%. The most prominent European benchmarks all retreated 5% or more on the month: the IBEX 35 slumped 5.28%; the CAC 40, 7.28%; the DAX, 6.53%; the FTSE 100, 5.09%; the FTSE Eurofirst 300, 5.39%. Russia’s Micex lost 4.95%. In the Asia-Pacific region, the Shanghai Composite absorbed a 7.75% October loss; Australia’s All Ordinaries dropped 5.72%. In India, the Sensex lost 4.93%, while the Nifty 50 fell 4.98%. To our north, the TSX Composite ceded 6.51% last month.11,12


Light sweet crude and unleaded gasoline relinquished considerable ground in October. Oil ended the month at $65.02, falling 11.62%; gasoline shed 16.82%. October also saw natural gas add 9.00%, while heating oil lost 4.41%. In soft commodities, double-digit gains came for coffee (10.20%) and sugar (32.82%). Cocoa futures climbed 7.79%; cotton futures, 2.83%; corn futures, 2.03%. Soybeans retreated 0.83% and, wheat, 1.62%.13

 Gold posted an October gain of 2.38%, settling at $1,218.20 on the COMEX on Halloween. Silver lost 1.82% for the month, ending October at $14.28. Copper lost 4.56% for the month; platinum rose 2.91%. The greenback grew stronger in October: the U.S. Dollar Index advanced 2.08%.13,14


Sometimes, the real estate sector transmits the first hint that a business cycle is weakening when home sales and groundbreaking begin to taper off. The jury is out on whether this is currently happening or whether the housing market is simply seeing a temporary slump. Admittedly, the latest indicators were not encouraging.15,16,17

The National Association of Realtors announced a 3.4% retreat for resales in September and projected a 1.6% decline in existing home sales for 2018. A Census Bureau report showed the rate of new home buying weakening 5.5% in the ninth month of the year. (At least NAR’s pending home sales index rose 0.5% in September, a nice change from its 1.9% August setback.) As for residential construction activity, further Census Bureau data had housing starts down 5.3% for September, building permits down 0.6%.4,15

 Home loan interest rates climbed significantly between Freddie Mac’s September 27 and October 25 Primary Mortgage Market Surveys. The mean rate for the 30-year FRM rose from 4.72% to 4.86%. Similar moves occurred for the 5/1-year ARM (3.97% to 4.14%) and the refinancer’s favorite, the 15-year FRM (4.16% to 4.29%). As rates rose, real estate analysts also noted the slimming 12-month advance made by the 20-city S&P CoreLogic Case-Shiller home price index. The August edition arrived last month, and the annualized price gain was 5.8%, the smallest in a year.16,17

T I P   O F   T H E   M O N T H

Some travelers routinely buy car rental insurance. That may not be necessary, because most personal auto insurance policies and some credit cards provide rental car coverage. Consumers should ask their insurer or card issuer just what is covered before they arrange a rental vehicle.



Small caps truly had a difficult October. The Russell 2000 corrected, losing 10.91% and wiping out its YTD gain. It ended the month at 1,541.11. Blue chips lost less than half that: the Dow Jones Industrial Average fell 5.07% to 25,115.76 across October. A 6.94% monthly loss left the S&P 500 at 2,711.74 on Halloween. The Nasdaq Composite stumbled 9.20%, ending October at 7,305.90.  Just how much did the CBOE VIX soar for the month? 75.17%. At the close on October 31, it settled at 21.23.18,19
















S&P 500






10/31 RATE









Sources: barchart.com, bigcharts.com, treasury.gov - 10/31/1819,20,21,22
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.
After the beating stocks took in October, will they recover to any great degree in November? A short-term bottom may not be immediate for either the Dow, S&P, or Nasdaq, as the concerns over central bank tightening, rising input costs, and reduced profits for businesses, tariffs, and reduced forecasts for growth in the European Union and Asia linger. It is a good bet that the market will see additional abrupt volatility; certain sectors of the market, like tech and energy, may be greatly impacted by outcomes in the midterm elections. If the results of those elections lead to a stalemate between the two major parties in Congress for the next two years, Wall Street might manage a decent advance – as a Forbes article recently noted, the S&P 500 has gained an average of 7.1% during periods featuring a split Congress, regardless of which party occupies the Oval Office. That is history, not the future – but that is still somewhat encouraging. Investors could use some encouragement as they try to gauge the length of this presumably late phase of the bull market.23


Q U O T E   O F   T H E   M O N T H

I have learned that to be with those I like is enough.

Walt Whitman



As the rest of November progresses, Wall Street and Main Street will take notice of the latest ISM service sector index (11/5), the midterm elections (11/6), a Federal Reserve interest rate decision (11/8), the University of Michigan’s preliminary November consumer sentiment index and the October Producer Price Index (11/9), the latest Consumer Price Index (11/14), October retail sales (11/15), October industrial production (11/16), a new monthly housing construction snapshot from the Census Bureau (11/20), October existing home sales and hard goods orders and the Conference Board’s October leading indicators index (11/21), the final November consumer sentiment index reading from the University of Michigan (11/23), the Conference Board’s November consumer confidence index (11/27), October new home sales and the second estimate of Q3 GDP (11/28), and then October pending home sales and personal spending and the October PCE price index (11/29).

T H E  M O N T H L Y   R I D D L E

It is as old as the world, and yet new each month. What is it?


LAST MONTH’S RIDDLE: A thief steals $100 from a cash register at a store. An hour later, he returns with the same $100 and buys $70 worth of goods, receiving $30 back in change. How much does the store ultimately lose to the thief?

ANSWER: $100. The store loses $70 of goods, plus the $30 in cash it returns to the thief as change.


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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 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 Mexican Stock Exchange, commonly known as Mexican Bolsa, Mexbol, or BMV, is the only stock exchange in Mexico. The MERVAL Index (MERcado de VALores, literally Stock Exchange) is the most important index of the Buenos Aires 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. 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 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 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 MSCI World Index is a free-float weighted equity index that includes developed world markets and does not include emerging markets. The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. The IBEX 35 is the benchmark stock market index of the Bolsa de Madrid, Spain’s principal stock exchange. The CAC-40 Index is a narrow-based, modified capitalization-weighted index of 40 companies listed on the Paris Bourse. The DAX 30 is a Blue-Chip stock market index consisting of the 30 major German companies trading on the Frankfurt Stock Exchange. The FTSE 100 Index is a share index of the 100 companies listed on the London Stock Exchange with the highest market capitalization. The FTSEurofirst 300 Index comprises the 300 largest companies ranked by market capitalisation in the FTSE Developed Europe Index. 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 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. 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 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 - cnbc.com/2018/10/29/stock-market-dow-futures-seen-lower-amid-earnings-season-worries.html [10/29/18]
2 - instituteforsupplymanagement.org/ISMReport/NonMfgROB.cfm?SSO=1 [10/3/18]
3 - tinyurl.com/y8fcfr3b [10/5/18]
4 - investing.com/economic-calendar/ [10/31/18]
5 - marketwatch.com/story/third-quarter-gdp-cools-a-bit-to-a-still-solid-35-rate-2018-10-26 [10/26/18]
6 - philly.com/philly/business/u-s-workers-see-fastest-wage-increase-in-a-decade-20181031.html {10/31/18]
7 - cnbc.com/2018/10/19/china-q3-gdp-china-posts-economic-data-amid-trade-war-with-us.html [10/19/18]
8 - asia.nikkei.com/Economy/Trade-War/Reliance-on-China-risks-slowing-Southeast-Asia-economy [10/13/18]
9 - cnn.com/2018/10/25/economy/eurozone-growth-trade-war/index.html [10/25/18]
10 - theguardian.com/business/live/2018/oct/30/eurozone-gdp-french-italy-growth-economy-markets-business-live [10/30/18]
11 - markets.on.nytimes.com/research/markets/worldmarkets/worldmarkets.asp [10/31/18]
12 - msci.com/end-of-day-data-search [10/31/18]
13 - money.cnn.com/data/commodities [10/31/18]
14 - marketwatch.com/investing/index/dxy/historical [10/31/18]
15 - marketwatch.com/story/existing-home-sales-slump-to-a-near-3-year-low-as-buyers-back-out-2018-10-19 [10/19/18]
16 - freddiemac.com/pmms/archive.html [10/29/18]
17 - cnbc.com/2018/10/30/home-price-gains-fall-below-6percent-for-the-first-time-in-a-year-august-sp-case-shiller-indices.html [10/30/18]
18 - money.cnn.com/data/markets/russell/ [11/1/18]
19 - barchart.com/stocks/indices?viewName=performance [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=10%2F31%2F17&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=10%2F31%2F17&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=10%2F31%2F17&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=10%2F31%2F13&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=10%2F31%2F13&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=10%2F31%2F13&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=10%2F31%2F08&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=10%2F31%2F08&x=0&y=0 [10/31/18]
20 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=10%2F31%2F08&x=0&y=0 [10/31/18]
21 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [11/1/18]
22 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [10/31/18]  
 23 - forbes.com/sites/advisor/2018/10/29/midterm-elections-could-bode-well-for-u-s-stock-market-heres-why/ [10/29/18]

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