Our Philosophy

We are committed to making a powerful difference in our clients' lives and helping to make their personal and family dreams a tangible reality.

Mission Statement

Our mission is to work together with our clients to help achieve each individual client's financial goals. We will use our extensive resources to offer comprehensive research and financial advice. We take pride in our high level of professionalism and our standard of ethics. We are committed to making a powerful difference in our clients' lives and helping to make their personal and family dreams a tangible reality.

"Add value to our clients; make a difference in the world while we are in it; provide for ourselves and our loved ones" James R. Cotto

Business Philosophy 

It is not just our products and services that set us apart -- it is how we conduct our business. We recognize that our responsibility is not only to manage assets but to advise, educate and communicate with our clients -- all within the framework of excellent service and solid commitment. We take time and give attention to each client in order to prepare an individual plan for reaching their personal financial objectives. Risk/reward preferences are carefully analyzed and varying levels of risk and reward are explained. Long-term goals are thoroughly discussed and strategies are designed and implemented to pursue those goals. 


Whom Do We Serve:

Individuals 
Business Owners 
CPAs and Attorneys
Professional Athletes 
Entertainment Industry
Corporate Executives 
Endowments and Foundations
Families of Children with Disabilities 
Public and Private Corporations 
Firms & Individuals with Bank Trust requirements 

Our Process :


1.  "We listen to you."

We conduct a personal interview with you (and others you deem appropriate) to obtain the background information needed to develop your custom investment plan. We listen to and take into account your thoughts, attitudes and values. This enables us to help you prioritize your needs and goals, and help you determine your risk/reward tolerance as well as your time horizon.

2.  "We prepare a comprehensive plan." 

Your information is thoroughly analyzed. We then prepare a comprehensive plan that includes retirement planning and asset allocation strategies while keeping in mind tax implications.*

3.  "We review everything with you."

We make an appointment with you to review the details of your custom investment plan. You raise questions, and together we confirm our interpretations of your life goals.

4.  "We implement the plan."

At this point we begin the process of implementing your customized plan based on your approval.

5.  "We continuously evaluate performance and keep you informed."

Once your plan is in place we receive monthly statements and quarterly valuations of your portfolio. We evaluate performance and keep you informed of any changes that may affect your personal financial situation. As changes occur we discuss and suggest appropriate adjustments that might be made to your plan.

*Wachovia Securities does not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any actions that would have tax consequences.