Business Details
Your Trusted Partner for Financial Planning & Investment Solutions
At Symphony Financial Services, we believe financial planning should be simple yet comprehensive. Our approach focuses on risk management, tailoring each client's portfolio to align with their unique financial goals rather than chasing generic market benchmarks. We utilize mutual funds, ETFs, individual securities, and alternative investments to create personalized strategies that address both short-term needs and long-term objectives. Our team collaborates with an in-house estate attorney to provide integrated wealth transfer and business succession planning, ensuring seamless alignment between financial and legal goals.With expertise in retirement income planning, executive benefit programs, and insurance optimization, we deliver transparent strategies designed to protect and grow client assets. Our process emphasizes continuous monitoring and adjustments, recognizing that financial plans must evolve alongside life's changing circumstances. Backed by FINRA and SIPC-registered broker-dealer relationships, we maintain independence to source solutions that best fit each client's financial picture.
Services
Comprehensive Financial Planning
Investment Management
Life Insurance
Retirement Plan Services
Executive Benefits
Business Succession Planning
Estate Planning
Risk Management
Insurance Policy Reviews
Wealth Transfer Planning
Highlights and features
- We offer customized portfolio strategies focused on individual financial goals
- Our in-house estate attorney integrates legal and financial planning seamlessly
- Specialized expertise in retirement income and executive benefit programs
- Carrier-agnostic insurance recommendations ensure optimal protection
- Transparent, open-architecture approach to investment solutions
Associations and certifications
- FINRA
- SIPC
- Registered Investment Advisor (RIA)
Services
Comprehensive Financial Planning
Our financial planning process creates personalized strategies addressing retirement income, debt management, and business succession. We utilize advanced planning software to develop actionable roadmaps that align with both immediate needs and long-term objectives while continuously monitoring progress toward financial goals.
Investment Management
We construct customized investment portfolios using mutual funds, ETFs, and alternative assets tailored to individual risk tolerance and financial objectives. Our approach emphasizes strategic asset allocation and risk management rather than short-term market performance, with ongoing adjustments to maintain alignment with evolving client needs.
Estate Planning
Our integrated estate planning combines financial and legal strategies through collaboration with an in-house attorney. We develop comprehensive wealth transfer plans that protect assets, minimize tax implications, and ensure smooth business succession while respecting family values and dynamics.
Retirement Plan Services
We specialize in designing and maintaining employer-sponsored retirement plans including 401(k)s and cash balance pensions. Our services help businesses attract talent through competitive executive benefit programs like deferred compensation and corporate-owned life insurance while ensuring regulatory compliance.
Life Insurance
Our independent insurance analysis evaluates multiple carriers to recommend optimal protection solutions. We focus on policies that align with overall financial plans, providing security for dependents and business partners while integrating with broader wealth management strategies.
People
John Y. Kim
President
President John Y. Kim combines legal expertise with financial planning experience. As a licensed attorney with a Master of Laws in Taxation, he specializes in integrating complex estate planning with investment strategies to protect client assets.
Craig M. Small
Vice President
Vice President Craig Small brings CFA designation and extensive market knowledge. He focuses on portfolio construction and risk management, ensuring client investments align with long-term financial objectives while maintaining compliance with industry regulations.
Spencer L. Gabriel
Investment Advisor Representative
Investment Advisor Representative Spencer L. Gabriel specializes in retirement planning and asset allocation strategies. He works closely with clients to develop sustainable income plans that balance growth potential with capital preservation needs.
Paul D. Sansonette
Investment Advisor Representative
Paul D. Sansonette, holding the CRC designation, focuses on retirement income planning and executive benefit programs. He helps business owners implement tax-efficient compensation strategies that align with both personal and corporate financial goals.
Scott D. Spears
Investment Advisor Representative
Scott D. Spears provides personalized investment solutions with emphasis on risk management. He assists clients in navigating complex financial decisions while maintaining a disciplined approach to portfolio management and wealth preservation.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement income, estate planning, business succession, debt management, and investment strategies tailored to individual goals.
How do you approach investment management?
We create customized portfolios using mutual funds, ETFs, and alternative investments focused on risk management rather than market benchmarks, with ongoing adjustments to meet evolving needs.
Do you work with business owners?
Yes, we specialize in business succession planning, executive benefit programs, and corporate retirement plan design to help business owners protect and transition their assets.
How are insurance recommendations determined?
We evaluate multiple carriers to recommend policies that align with your financial plan, focusing on protection needs and budget considerations without vendor bias.
What retirement plan options exist for employers?
We design 401(k) plans, cash balance pensions, and executive benefit programs like deferred compensation and corporate-owned life insurance to attract and retain talent.
How often are financial plans reviewed?
We conduct quarterly portfolio reviews and annual comprehensive plan assessments, with additional adjustments made as significant life changes occur.
Reviews (3)
Gary Gross
May 17, 2021
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Positive:Professionalism,Responsiveness
Portfolio Advisor, Craig, goes above and beyond to make sure the clients investment objectives are met. He has definitely distinguished himself from the herd regarding investment recommendations. A real asset to the profession.
Portfolio Advisor, Craig, goes above and beyond to make sure the clients investment objectives are met. He has definitely distinguished himself from the herd regarding investment recommendations. A real asset to the profession.
Brian D.
Jan 13, 2021
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Critical:Professionalism,Quality,Value
When the compliance officer, Craig, is the hardest person at the firm, what more can we expect?
When the compliance officer, Craig, is the hardest person at the firm, what more can we expect?
Rachel Blanchette
Aug 24, 2019
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My advisor handled everything in an exemplary manner. I would trust no one else the way I can trust the folks at Symphony.
