 
Select from the following downloadable resources and additional information:
|
 FINANCIAL SERVICES• What We Do What We DoAt DB&B Financial Services, our team of certified financial planners, certified public accountants and MBAs are here to help you plan for today, tomorrow and beyond. We begin by asking questions relating to your financial goals and objectives, your risk tolerance and other financial constraints, in addition to your views and attitudes relating to financial markets. This provides us with a foundation on which to build a sound relationship and obtain a substantial understanding of your entire financial situation. This includes, but is not limited to: tax planning, estate and retirement planning, overall asset allocation and investment management. Once this has been established, we'll plot a course based upon your unique circumstances and complete financial picture that encompasses the appropriate level of risk, stage of life considerations and your overall comfort level with regard to financial markets. This road map to success will not only demonstrate how to achieve your long-term financial objectives, but will address current needs along the way. And because we are a fee-based wealth manager, as opposed to commission driven, our approach is completely independent and without conflicts of interest or hidden costs. Therefore, you can be assured that we are solidly positioned on the same side of the desk, working on your behalf and in your best interest. DB&B's Investment ApproachToday's highly complex and volatile financial environment requires a highly disciplined, meticulous and diversified approach to investment management. At DB&B Financial Services, we strongly believe in the attributes of asset allocation (equities, fixed income and cash) according to your risk tolerance and income needs, as well as adequate diversification among core groups (large cap, mid cap, small cap, international) and satellites groups (commodities, precious metals, REITs, emerging international, etc). Furthermore, these segments are divided into growth and value for more specific investment coverage and greater diversification. Statistical evidence demonstrates that this investment approach not only reduces potential risk, but may even enhance returns over extended periods of time. More specifically, our approach to individual stock investments is rigorous and comprehensive as it focuses on consistency and growth of revenue, earnings and cash flow, tenured and successful management, and significant balance sheet examination. Our mutual fund analysis is no less stringent as we focus on no load funds with tenured managers, consistent performance with regard to peer funds and against its relative benchmark, and positive risk-adjusted returns. Client ServiceDB&B Financial Services is highly-focused on developing and maintaining long-term relationships with all of our clients. As such, our team is committed to answering your questions and concerns while maintaining highly engaged and communicative on a regular basis. Face-to-face meetings at your convenience with a senior member of our financial team, performance reports vs. appropriate benchmarks, and access to our entire team are just a few ways you will remain comfortably informed, involved and confident that we are working on your behalf and with your best interests in mind. Our Services
Meet Our Team
Theodore Sarenski, CPA/PFS, CFP, President and CEO Useful Links www.Morningstar.com
- Mutual Fund Research |