Services for Individuals

• Financial planning
  The foundation of every client relationship at Cygnet is the Financial Lifestyle Analysis™ -- a transparent model of cash flow projections that help clients draw their own conclusions regarding their financial goals and courses of actions. This consultative approach assures that the client chooses and implements the solution that best fits their needs without having to deal with sales pitches that typically follow the planning process.
• Fee-based portfolio management
  At Cygnet our investment process focuses on helping clients achieve sustainable results over the long term. We do not fall prey to “hot investments” or short term trends to try and earn quick profits. And because we are a fee-based practice, not a transaction driven commission shop, our focus is on long term client relationship. We help clients manage their individual portfolios like a pension fund by developing and monitoring their asset allocation while trying to minimize costs with no-load mutual funds. Using this fee based approach allows us to objectively review the portfolio periodically and make any changes that are necessary to maintain quality and long term performance without causing unnecessary additional fees or commissions.
• Retirement income planning
• College costs planning
• PensionMax
• 401(k) rollover
• Insurance needs & cost analysis