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Client Service Models

As a client, you will benefit from a collaborative, one-on-one relationship with Patrick McCormick, financial planner, and members of the overall team. He will work with you to identify  and prioritize your financial goals and offer guidance to formulate a sound strategy based upon your financial position and individual needs. Patrick will become a personal guide and resource so you can make informed decisions about your finances.

To develop your plan, a broad range of financial products and services are identified to reflect your personalized approach. Whether Patrick is helping articulate a strategy, monitoring your investments, or making recommended enhancements, the main objective is helping you achieve your financial needs and goals.

Patrick and his team goes to great lengths to deliver the personalized attention and accessibility our clients have come to expect. We realize your financial strategy is more than managing money. It includes the guidance, insight, results and service you need to secure your financial future.

Financial Planning Model

Financial Planning Model

Relationship Based / Fee Based Financial Planning

If you want to establish a direction for your financial life, a plan may be the model for you.

Financial Planning is designed to help you achieve your specific goals. We will work with you to design a roadmap, starting with a full assessment of your financial situation and goals. Each plan includes specific action items to help you achieve those goals. This is not a product or investment. While developing your plan, we usually consult with  your other advisors (CPA, Attorney, etc.).

A Financial Plan can help you with:

  • Cash Flow Strategies
  • Reduction of Taxes
  • Legacy Planning / Wealth Transfer
  • Estate Planning Solutions
  • Early Retirement / Saving for Retirement
  • Risk Management
  • Ownership & Beneficiary Strategies for Tax Planning
Asset Management Model

Asset Management Model

Investment Based / Asset Management Fee

If you're seeking a customized portfolio utilizing asset allocation strategies, this may be the model for you.

We work with you to devise your financial strategy and asset allocation. Your portfolio will then be tailored to you and is designed after a detailed analysis of your investment goals, saving patterns and risk tolerance.

  • We diversify your portfolio across multiple asset classes, potentially reducing overall portfolio risk.
  • Your portfolio can be adjusted as your investment goals, income, and lifestyle change.
  • You have the flexibility to move between fund families and investment managers without incurring sales loads or other charges.
  • You have 24 hour access to online accounts showing detailed net worth, account holdings, activity and performance.
  • Alternative Investments are available, if suitable for your portfolio. These include Real Estate Investment Trusts and Separately Managed Accounts.
  • Transparency of fees:
    • Annual management charge is based on the amount of assets, not on fund selection or number of trades.
  • Asset management is available for a wide range of account sizes.
Workplace Retirement Solutions

Workplace Retirement Solutions

Relationship based / Investment based / Education based

If you are the owner of a business looking to provide yourself and/or your team with retirement benefits this may be the model for you.

We analyze your needs and company size to determine which retirement plan is right for you and your team, and then provide plan reviews and education sessions for participants..

Small-Mid Size Company

  • Simple IRA
  • Solo 401k

Mid-Large Size Company

  • 401k
  • Profit Sharing
  • Safe Harbor Contribution
  • Cash Balance Plans
Product Solutions Model 

Product Solutions Model 

Product Based / Transactional Relationship

If you have a relatively simple need that can be addressed with the purchase of a financial instrument, this may be the model for you.

Compensation for the type of service is usually through commissions from the product/investment sales. Strategies would be based on your specific need.


  • Mutual Funds
  • Exchange Traded Funds
  • Fixed & Variable Annuities
  • State Specific 529 Plans
  • Retirement accounts for individuals & business owners
    • Traditional IRAs
    • Roth IRAs


  • Life Insurance
  • Long Term Care Insurance
  • Disability Income Insurance
  • Group Health & Dental
  • Fixed & Variable Annuities