Our Services

We care about people and their plans for the future. Our job is to help ensure the long-term financial security of our clients, their families and their businesses by helping them to grow, protect, manage and transfer their assets. Moreno, Peelen, Ruggie, Pinto & Clark offers a range of wealth management services.

Investment management and strategic allocation

We provide investment management and fiduciary services to high-net-worth individuals and businesses. Our comprehensive investment management strategy is based on the time tested investment concept of asset allocation. Through asset allocation, we can synthesize information about your investment needs, personal finances, investment objectives, investment time horizon and risk tolerance to arrive at an investment allocation customized to your circumstances. We offer guidance on investment alternatives and help implement the simplest to the most complex estate and financial plans.

Retirement planning

Retirement is an important financial planning issue for your future, one that requires you to make important decisions during your working years, as you approach retirement and during your retirement years. We can help you meet your goals with a process that includes retirement distribution planning and the ongoing management of your assets.

Business planning

If you are a business owner, your business is probably your largest investment. That is why it is so important to have a comprehensive plan that maximizes the benefits you receive from your business. Putting together a plan to meet your needs may seem complicated, but it can be easy with the right partner. With services for the business owner ranging from business succession and continuation to executive benefits and retirement planning, we will help you create and implement a plan that helps you achieve your goals.

Executive benefit planning

We offer executive benefit planning. This may involve designing supplemental executive retirement plans offered by an employer or helping you to time the exercising of your stock options in order to minimize the impact of income taxes and maximize your return on investment. We also will help you create wealth accumulation plans or supplemental death benefit plans that can provide significant post-retirement coverage.

Employee Benefit Programs

Your employees want a secure, comprehensive health insurance plan. Yet, they're just as concerned as you are about rising healthecare costs. At Moreno, Peelen & Company, we put together employee benefit programs which guard your employees' interests as though they were our own. Whether it's adding a 401k plan, expanding health insurance coverage with supplemental policies, we can answer employers'questions with confidence, "Yes, Yes, and Yes". We'll help you get the most from your employee benefit programs.

Estate planning

Estate planning includes all of your assets, how you accumulate and save them, as well as strategies for protecting them and passing them on to those you choose. The purpose of your estate plan is to distribute the property you have accumulated over a lifetime exactly as you wish. Your goals may include ensuring that you have a sound retirement program, providing for your surviving family or supporting the continued work of charitable causes. Your concerns may include determining who needs or deserves your gifts most, whether your gifts will be used prudently, and how to reduce losses from taxes.

Philanthropic planning

With all of the personal and financial rewards charitable giving offers, including tax incentives, it can be an important part of your estate plan. With careful planning, your gifts can allow you to support the causes and organizations that are important to you, while protecting your family and heirs at the same time. We have the experience to help you design a plan that provides for all of your unique goals in the most efficient, cost-effective manner.