| Larry Hastie is an independent advisor. He is not employed by a major money manager, bank, insurance company or full-service broker. Being independent, he has fewer conflicts of interest and is not pressured to provide "in-house" approaches of a "parent" firm. Trust, integrity, and personalized service are important issues for most relationships. These attributes are frequently cited as reasons why clients select us to manage their financial affairs. You will receive very personalized, one-on-one service. Larry has strong credentials. Larry has experience running a bank trust department, bank portfolios, discount brokerage and investment advisory businesses. He has also written articles on various financial topics. We believe one of the best ways to make money is not to lose money in financial bear markets. That is why we recommend the Seasonal Approach to actively manage client's portfolios. We believe that diversification is one of the most important investment concepts and that most investors are under diversified. We can suggest four or five ways a client can try to diversify. We realize that diversification, by itself, does not prevent portfolio losses like many investors experienced in the prolonged bear market of 2000-2002. It's another reason to consider the Seasonal Approach. |
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One-stop financial advice. Our group is the only Southeastern Michigan based group that has the flexibility to offer fee-offset brokerage of stocks and bonds, no-load mutual funds, 401k, 403b, TIAA-CREF, SEI Investments, other wrap fee managers as well as retirement and estate planning for clients. We are fee-based advisors, allowing us to recommend investment changes without commission implications. We have the ability and willingness to coordinate the investments of various retirement accounts with private family accounts and provide consolidated reporting. Depending upon client goals, we can recommend conservative, moderate or aggressive strategies using the investment vehicles discussed above. We believe in educating rather than selling the investor. PRM retirement plans are comprehensive and broad ranging, yet they are easy to understand. The client and PRM frequently use the plan as a framework for monitoring future progress. In establishing his business, Larry set out goals for PRM, "to expect the best... do the best... be the best." Now we are trying to do what is best for our clients. |