Our Services

Financial Planning

As fiduciaries, it’s our responsibility to take a comprehensive look at your financial picture. This is where it all starts. Every person and every journey is different so no financial plan should look the same. Some of the primary financial planning concepts we address: cash flow and spending, investment analysis, employee benefits, college funding, insurance, income tax and estate planning strategies and charitable gifting. Then we develop a plan incorporating all of your financial accounts no matter where they are held. This full picture allows us to determine if you are on track to meet specific goals and helps us make decisions throughout life that are most appropriate for you.

Income Planning & Distribution

One of the biggest questions any retiree wants answered is “Will I have enough?” Developing a strategy for sustainable income during retirement is one of the key ways we can help you find that “YES” you’re looking for. As we work to create a comprehensive retirement plan for you and your spouse, we’ll place a special focus on securing sustainable income to help you get, and stay, happily retired.

Investment Management

We’ll help you develop an investment strategy that’s based on your individual goals and needs for retirement.  As each individual is unique, so is our approach to money management. Our investment committee is comprised of professionals carrying the Chartered Financial Analyst® (CFA) designation, the highest distinction in the investment management profession. Our knowledge and insight into the stock market enables us to craft an investment portfolio uniquely tailored to you. We work with you to identify your short- and long-term objectives, determine your optimal risk tolerance and design a strategy that aligns with your timeline. We analyze your existing investments, then make recommendations based on your specific financial circumstances. We educate you on the rationale behind each investment decision so you’re well-versed in the logic of our approach.

Tax Planning

Do you want to reduce your tax burden? Do you want to increase your assets? We can work with your tax preparer or CPA (or can refer you to one) to review your return for opportunities to help minimize taxes and we look for ways throughout the year to help reduce your tax burden by:
Restructuring your investment portfolio to produce a higher after-tax return

• Shifting income to dependents in a lower tax bracket
• Claiming appropriate home office deductions
• Maximizing qualified plan and IRA contributions
• Identifying all the deductions that apply to your small business
  
  

Risk Management

Our strategies aim to mitigate the financial and other losses associated with life’s risks.  From proper life insurance protection, asset protection to safe money solutions, we map out a strategy for dealing with various potential risks.  As life changes, we’ll adapt your financial roadmap to make sure its still right for you along the road to building and preserving wealth.

Estate Planning

You may think estate planning is only for the wealthy.  Not true.  Estate planning is more than a Will and is more than just determining who gets your property when you pass away.  Its is about minimizing the financial and emotional costs for you and your loved ones.  Whether you wish to create your estate plan for the first time or update your existing plan, our team of professionals help you create a comprehensive and personalized estate plan for your legacy that will provide you with the financial confidence you deserve.