Asset Management Planning


Continuous change in tax law and the financial environment make personal investing for families more intricate and time-consuming than ever. Once you add on the complexities of estate planning or business ownership, it is easy to see why some investors seek professional help. Most mainstream advisors have little experience managing complex tax planning for families, though it is usually the most crucial ingredient.


At Kistler-Tiffany Advisors, our only allegiance is to your investment goals. Rather than align ourselves with a single investment theme, we harness top-flight money managers in addition to managing individual securities on your behalf. We continually review your holdings to ensure they remain in concert with your objectives.


Investment plans delivering optimum benefits go beyond a simple search for the highest return. Many individuals need comprehensive planning that ties together every thread of their financial profile. Integrating all the pieces requires in-depth knowledge of how each component affects the big picture. Key elements include portfolio design, tax planning, estate planning, business succession and retirement planning. Few investment advisors have extensive experience working in all areas with individuals and their families.

Our team is devoted to their clients for the long term with extensive career experience in financial planning and investment management.


You want a close relationship with your financial advisor. You want your advisor there when you need them. We consider regular face-to-face meetings a crucial part of our service. We know it is important to spend all the time needed to educate you about your options and how changing market conditions might affect your portfolio.

You want your portfolio to be continually monitored and rebalanced to meet your objectives. We oversee your holdings and recommend realignments as financial conditions change.


At Kistler-Tiffany Advisors, we believe any solid financial plan begins with a detailed inventory of your current financial situation and a careful analysis of your short- and long-term financial objectives and your attitude towards risk. Only after this is completed should a thoughtful, objective diversified re-allocation of assets be formulated. Following is the process we go through with each client relationship.


We help you crystallize your financial goals through a series of in-depth questions that will help us develop your financial profile and, ultimately, lead to the development of an investment policy statement. This written statement acts as the foundation for the creation of your model portfolio and provides guidance in the selection of investments. We look at such things as:

  • Are you accumulating wealth or nearing retirement and preserving it?
  • Do you have estate planning/distribution needs that require attention?
  • Are there special tax situations we should be aware of?
  • Do you have particular education or special needs funding requirements in the short- or long-term?
  • Are you likely to inherit additional assets?
  • Do you, or will you, have additional investments from a company 401(k) or similar retirement plan that will require ongoing management?
  • Do you have a business that may potentially be sold?
  • How aggressive/conservative are you by nature?

We thoroughly analyze the implications of these issues vis-a-vis your ideal asset mix, and then we look at your current holdings to see how they match up. We look for such things as industry concentration, style breakdown, portfolio overlap, expense ratios and optimum tax pockets.


The next step is to develop your model portfolio that will be designed, in consultation with you and your other advisors, to help you achieve your stated investment objectives. We are firm believers in the power of diversification to protect all portfolios from downside risk, and tend to recommend allocating your assets across a diverse range of asset classes and individual instruments (e.g., large, mid, and small cap equities; long and short duration fixed income instruments; domestic and foreign; and cash or cash equivalents.)


Once we agree on the basic framework, we begin to reposition your existing portfolio so it aligns with your model. Depending on how different your existing portfolio is from the model, and the built-in tax consequences of making wholesale changes, we may implement these changes over a period of time.


Markets change over time, as do your financial needs, and your investments should be reviewed on a regular basis to take advantage of opportunities as they arise.

We provide quarterly reports that show current holdings, market values and recent transactions, as well as our views on current markets; and, if required, recommend changes. As fee-based advisors, we are not driven by the need to make changes to your portfolio, so you can be assured that all recommendations are made in a strictly objective manner and with one goal in mind - to manage the performance of your portfolio in line with your stated objectives. Fee-based remuneration encourages a more objective viewpoint. You always know in advance what our management fee will be, and our schedule is extremely competitive.

Please Note: Financial planning and/or consulting services are available for a separate fee and per the term of a separate written engagement. The scope of any financial planning and/or consulting services to be provided depends upon the needs of the client and the terms of the engagement.

Pershing Advisor Solutions LLC and its affiliate, Pershing LLC, is the most recommended custodian and clearing house for Kistler-Tiffany Advisors and their clients. Pershing Advisor Solutions delivers a one-stop, full-service global solution with integrated, multicurrency clearing and execution, plus a full range of global resources. Pershing Advisor Solutions offer unequaled experience built over seven decades of serving financial organizations of every size and business model. Read More About Pershing...