Our Services
Lifestyle Planning
Instead of looking at just numbers, lifestyle planning is a holistic financial planning approach that helps you to reach your goals and enjoy life to the fullest. We take time to better understand your desires, dreams, and values. We will not only help to manage your money but will help you to achieve your goals.
Simplifying Your Financial Life
- Review and analysis meetings to document and visualize your full financial picture in a simplified and easy-to-understand format
- Aggregation of all your accounts in one convenient location
- Plan for a Lifetime - A personalized approach to wealth management
- Frequent meetings to educate you about your investments so you can make sound decisions for yourself and your family
- Comprehensive examination of complications that could challenge the preservation of your financial security
Retirement Planning
- Identifying, prioritizing and aligning your retirement goals with your budget and financial plan
- Review beneficiaries, recommendations and distribution strategies regarding your IRAs, employer-sponsored retirement plans and stock options
Legacy Planning
We know that family comes first, so maintaining and transferring your financial legacy to your loved ones is a precious gift. But your legacy is more than the transferring of assets upon your death. Your wealth has meaning. It is a reflection of your lifetime achievements. It is an opportunity to pass your values and success to future generations. Your family’s future is also important to us.
Estate Planning
- Analysis of your current estate plan, corresponding documents, beneficiaries and tax liabilities
- Review of beneficiary designations and asset titling
- Consultation with your attorney and other professionals
- Guidance for the appropriate actions following the death of a loved one
- Philanthropic planning to perpetuate your legacy and foster your passions
Generational Planning
- Guidance for creating and maintaining your family's legacy
- Facilitating family meetings, providing you with a forum to share values, financial knowledge and wisdom with your children and grandchildren
- Assistance in transferring assets to your trust based on your family's needs
Portfolio Design & Continual Maintenance
We are committed to assisting you in achieving your financial goals, as well as protecting and preserving the wealth you have accumulated over your lifetime. We will actively monitor your accounts, staying on top of market developments and recommending appropriate action while we seek out and capitalize on new opportunities in the market to further enhance your investment portfolios.
- Designing a portfolio that reflects your current situation, future goals and risk tolerance
- Ongoing review of your financial plan to enhance your investment portfolio
- Review cost-basis for your investments to minimize or avoid adverse tax consequences
- Frequent meetings to educate you about your investments and assist you in making the best decisions for you and your family
Tax Considerations
Tax planning is a critical component of a successful financial plan. Tax rules can be complicated so it's important to incorporate tax planning into your portfolio and all of your financial decisions. Reducing tax liabilities can play a key role in helping you build wealth over the long run. Your financial well-being is our priority.
- Comprehensive review of your tax return to assist in identifying tax reduction strategies
- Consultation with your CPA and tax preparer to identify tax efficiencies
- Updates on changes to tax laws that could affect your situation
Cash Flow Planning
At any stage of life, cash flow planning can help you stay on the right financial path. With the holistic view that it provides, you can better determine where your money went and where it needs to go to fulfill the goals that you have for your future. Proper planning provides increased confidence and a greater understanding of how cash flow can impact your financial future.
- Analysis of your immediate and future income needs
- Continual development and implementation of strategies to fund your income needs and maintain your desired standard of living
- Tracking your expenses and providing advice in the event of changing circumstances
Continual Care & Insurance Selection
People are living longer and it’s not unusual for someone retiring at age 65 to live to age 90 or longer. The best time to think about long-term care is before you (or a loved one) need it. We’ll take a long-term view of your financial wellbeing and design a financial plan that will help protect your wealth.
- Guidance and recommendations for planned and unplanned life changes
- Review of your long-term health care strategy
- Solutions to help meet your needs for disability and life insurance protection