The scope of services we provide each client is dependent on their unique needs and desires. 

 

Investment Management or Advising

Client assets are safeguarded at one of three national, independent custodians: Charles Schwab, Fidelity and Foliofn Investments. A diverse mix of investments-- individual stocks, individual bonds, mutual funds, Exchange Traded Funds (ETF), and hedging vehicles-- compose the "tool box" we utilize to manage each account. A clear understanding of each client's objectives and risk tolerance is foundational for the creation of an appropriate allocation.

 

Risk Management

The purpose of insurance is simple – to protect you and your family from the financial consequences of an untimely death, disability, or loss. But insurance is frequently one of the most misunderstood areas of a financial plan. Many families carry too much or the wrong types of insurance and end up paying for more than is needed to obtain the necessary protection. We will analyze all of your insurance policies and determine if you have the appropriate coverage and if you could obtain adequate coverage for less money.

 

Retirement Planning

Nearly every financial plan incorporates retirement in one form or another. We regularly serve individuals who are saving for retirement, about to retire, or already in retirement. We provide counsel on nearly every financial aspect of a retirement transition, including pensions, Social Security, health insurance, 401(k) assets, and income planning.

 

Estate Planning & Wealth Transfer

A financial plan is never complete without a comprehensive estate plan. Failure to adequately prepare for your passing could result in higher taxes, expenses, publicity and an extended period of time before your heirs receive their share of your estate. We work with our clients to develop a maintain an estate plan that accomplishes their unique objectives.

 

Tax Reduction Strategies

One of the greatest values we can provide is helping you reduce tax liability. Working alongside a qualified tax professional we will analyze your situation and determine areas of potential savings. This may include choosing between pre-tax (Traditional) and after-tax (Roth) contributions, implementing a tax-efficient investment strategy in taxable accounts, maximizing the benefit of charitable giving, or advising on corporate stock options, deferred compensation and concentrated stock issues. 

 

Education Planning

There are a number of different ways to save for a child's college education. These include 529 accounts, Coverdell Education Savings account, custodial accounts, as well as retirement accounts. Each method has different contribution limits, tax consequences and investment options. We can help you sort through the options and select the one that is most appropriate for your situation.

 

Philanthropic Strategies

We want to learn about your passion for charitable giving: the organizations you care about, your motivation for giving and how rewarding the process is for you. We can help you develop a comprehensive gifting strategy to help ensure your needs and the needs of your loved ones are met, you are able to give as you desire, and you achieve the maximum tax benefits from your donations.

How can we help?