Whatever the size or function of any craft on the sea, the helm is the primary steering mechanism from home port to the ﬁnal destination. Helm Investment Management, LLC concentrates on serving individuals and families who can beneﬁt from highly customized investment decisions based on a well rounded view of their assets, income and other ﬁnancial needs.
In many ways, income and estate tax issues make investing for individuals and families more complex than investing for large institutions. Institutions typically arrange for their investment assets to grow tax-free or tax-deferred. Individuals and families often face a complex array of taxable and tax deferred accounts, such as 401(k)s, as well as family and charitable trusts. Ever-changing estate, trust and income tax laws make matters even more complex for many families.
Helm is part of a family ofﬁce made up of independent ﬁrms that provide clients with a complete set of investment, ﬁnancial planning, estate planning, tax, legal and other services. This allows an unusually sophisticated and interdisciplinary approach to the complexities of investing our clients’ mix of taxable and tax-deferred assets, helping them to maximize total returns.
We provide only fee-based investment advice, focusing on growing client assets in a manner suitable to each client’s short and long-term goals and risk tolerance. Families and individuals often have several different investment portfolios. We normally maintain a number of separate accounts for each family. Each has different objectives and purposes. All of the separate accounts relate to each family’s coordinated ﬁnancial plan. Helm selects and matches optimal investment strategies for each portion of the overall asset mix to help clients achieve their many goals efﬁciently. Our overall goal is a comprehensive and uniﬁed portfolio.
Carefully tuned portfolio diversiﬁcation serves clients by reducing overall portfolio risk and minimizing the consequences of unexpected market turns that can result from concentration in any one asset class. Working with an agreed-upon ﬁnancial plan and tax strategies developed by our family ofﬁce colleagues, Helm works to minimize tax effects of investment moves and maximize after-tax returns.
The broad expertise of the principals, Tom Barrett Jr. and Jay McCormick, in estate and tax law, ﬁnancial planning, numerous equity and ﬁxed income asset classes, and domestic and international investing help Helm clients steer a steady course through the constantly changing sea of investment choices. Through regular face-to-face meetings and other communications, we keep clients as in touch as they want to be with their investment portfolios.