We believe wealth management involves a variety of strategies that are most effective when tailored to a client's individual needs, goals and aspirations. With this in mind, we use a team of independent professionals -- CPAs, Attorneys, Actuaries, Pension Strategists, Risk Transfer Consultants, Family Business Psychologists and other advisors -- who work closely with clients to build a customized financial plan designed to help them meet their goals in a tax efficient manner.

Great Financial Planning Begins With Fully Integrated Wealth Management Services

At Castle Financial, we seek first to understand our client's objectives and then to develop a plan to help them achieve their financial and lifetime goals. We will conduct an in-depth review and analysis of each client's situation, and then apply the collective knowledge of our financial planning team who can understand the multiple financial issues unique to each client.

Investment Manager Selection, Portfolio Construction and Due Diligence

We build our clients portfolios with leading money managers from some of the oldest and most prestigious money management institutions in the world. We take a conservative approach to investing, with an eye towards higher returns with minimum risk. Our manager selection process is designed to pinpoint outstanding investment management talent, which we do by first screening the firms with which we work and then later through regular meetings and on-site visits. We measure our success based on our ability to achieve the returns that our clients seek rather than by how the general
market indices fare.

The market crisis of 2007 and 2008 shattered many investors' notions of the efficiency and stability of markets. It also shattered a lot of investors' confidence in asset allocation schemes. Many people and their advisers thought they were following sound strategies, only to have severely adverse results. This is neither the first nor the last time that a market dislocation will occur, which is why it's so important for investors to follow a sound "tactical" asset allocation strategy to help reduce risk, improve performance and achieve their long term financial goals. The term tactical means periodically reallocating money into different asset classes as the markets change direction (moving money amongst different stocks, bonds, cash, gold, natural resources, etc.). At Castle Financial, we employ a tactical strategy with the leading money mangers in the world utilizing professionally managed mutual funds and exchange traded funds (ETFs) for a cost effective, conservative approach to managing our valued clients' money.

Investment Policy Statement

As part of our commitment to our clients, we work to help them develop an investment philosophy that best encapsulates what they are looking to achieve financially. A thoughtful investment policy statement is the cornerstone of a comprehensive wealth management plan. A well-crafted statement defines investment objectives, risk criteria, manager selection procedures, measurement standards, monitoring procedures and asset allocation guidelines. The investment policy statement that we help our clients build addresses their specific situation and risk tolerances. From there, we create a portfolio of investment managers that fits each client’s investment objectives.

Client Services and Reporting Updates

At Castle, we treat our clients with the utmost respect and constantly strive to exceed their expectations. Our high client minimum affords us the opportunity to spend as much time as possible with the people we serve. Also, for the benefit of existing clients, we limit new accounts to only a select few whom we know to be an excellent fit with our firm. We realize that providing high quality client service is more important than bringing in a volume of new clients at any level of business.

Securities offered through Registered Representatives of Cadaret, Grant & Co., Inc., member FINRA/SIPC. Castle Financial and Cadaret, Grant are separate entities. Client security and mutual fund accounts are held at Pershing LLC, member FINRA, NYSE, SIPC. Pershing, a subsidiary of The Bank of New York Mellon Corporation, offers unlimited account protection in addition to coverage provided by Securities Investors Protection Corporation (SIPC). In addition to monthly statements from Pershing, clients receive quarterly Investment Strategy Updates and performance reviews from Castle. Clients can also view their account status online.