Our Services

Investment Management Services 

Braverman Financial Associates is a registered investment advisor. We assist associations, corporations, foundations, trusts, pension plans, and high net worth individuals with their investment portfolio management. We accomplish this by developing diversified(1) portfolios of equity securities, fixed income securities and a variety of cash management instruments. We vary this mix according to investment conditions and tailor-make the portfolio according to the individual client`s risk tolerance, time horizon and specific goals.
(1)There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment.

Our emphasis is on the longer term and we allocate equity portfolios between growth and value styles while maintaining the appropriate diversification between large, mid-size, and small capitalization stocks*. International equities (e.g., Europe, Asia, Latin America) and specific industry sectors such as finance, health care and technology are emphasized as markets fluctuate**.

For the fixed income allocation, we build a portfolio for short, intermediate and long-term time periods based on a number of factors including, the client`s need for income, tax status and economic outlook. The bonds we invest in include U.S. Treasury, Government Agency, and high grade municipal(2) and corporate securities****. (2)Municipal bond interest is generally exempt from federal income taxes and, in many states, from state income taxes as well.  This may be advantageous if you are in a high tax bracket.  Capital gains are non tax-exempt.  Interest income from certain municipal bons may be subjet to the alternative minimum tax.  Please consult a tax professional for guidance.

We currently handle assets in excess of $100 million. We provide a broad array of investment products and services utilizing sources not typically available to retail investors.

* Small-cap stocks tend to experience greater volatility than large-cap stocks.
** International investments involve special risks, including economic and political uncertainty and currency fluctuation.
*** Unlike equities, bonds offer a fixed interest rate and return of principal if held to maturity.



Financial Planning Services

Braverman Financial is an independent financial planning firm that provides objective advice on a fee basis. Since our inception in 1983, we have provided comprehensive financial planning for individuals and business owners.

Comprehensive Planning Services

Individuals:

A comprehensive financial plan usually includes:

Financial statements
Investment review
Income tax planning
Insurance analysis
Estate planning
Business / corporate retirement plans

In addition, our experience covers a broad spectrum of other personal financial areas including tuition planning, cash flow management, fringe benefits and compensation planning.

The process

Effective financial planning is best viewed as a series of steps. Basically, the process is as shown below:

Fact Finding:
Gather financial data, determine goals and establish priorities.

Analysis:
Define problem areas and consider options and opportunities for their solution.

Planning:
Select strategies and set up a timetable for their implementation.

Implementation:
Act, choose specialists and select products to carry out recommendations.

Review:
Monitor, update and revise the plan as needed.

We are confident that our planning services will provide you with a better understanding of your financial well-being and will serve as a valuable guideline for reaching your goals.

Fees

Many consumers are rightfully concerned that a professional advisor render services on a truly objective basis - not influenced by potential commissions. As a result, all of our planning is performed on that basis. Each plan concludes with a summary of recommendations.

If a client wishes to take action in any areas that involve the purchase of additional services or financial products, they may use the vehicles to which we offer access. In such cases, a new and completely separate relationship is deemed to exist - one that is entirely at the discretion of the client to engage or discontinue.

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