Our Comprehensive Services
Crafting a Cohesive Plan
Just like a puzzle, no one person’s financial journey is ever the same. We strive to pull all the unique pieces to an individual or family’s financial landscape together, into a single cohesive plan that can evolve and change throughout their life.
Wholistic Financial Planning
Most people compartmentalize their plans. Insurance for risk management, wills for estate planning, investing for various goals – our focus is to plan with the big picture and integrate all areas in which money touches clients’ lives.
Portfolio Diversification
In a continuously evolving financial landscape, diversifying investments is essential to portfolio design. We personally handpick all client investments and stay abreast of the latest market news and strategies. Trust us to craft a balanced portfolio that resonates with your risk appetite and long-term goals.
Income Tax Strategies
Through the ever-changing tax law environment, we help clients better position current tax strategies and adapt as they change. Whether you are a business owner, a W2 employee, an executive with stock options, a real estate owner/investor, etc. we stay abreast of tax laws and strategies that can lower taxable income, create opportunity, and save you money.
Legacy Planning
A thoughtful legacy plan can give you and your loved one’s greater confidence. Ensure your hard-earned assets are passed on according to your wishes – whether that is supporting a favorite charity, providing for your family, or leaving a lasting impact on your community. Ensuring beneficiaries are kept up to date, managing trusts, advising on appropriate life insurance policies, recommending suitable account types/assets for inheritance, etc. are just some of the areas we help clients with.
Education Planning
Planning for the costs to send children to college can be daunting. We help guide clients through the process of investing for education, de-risking portfolios as children near the age of attendance, student loans, and credits and deductions that may be available.
Risk Management
Risk management is said to be the basis of any solid financial plan. We are licensed to broker life insurance, individual disability income insurance and advise on other policies we can’t broker. We strive to find the most cost-effective options for clients to fit their budget and needs. Depending on the priority of goals, we may not recommend certain insurance products if the cost conflicts with other accumulation goals.
Retirement Roadmap
Based on personal objectives, together we construct a roadmap to retirement that helps guide clients towards their desired destination. To keep you on course, we routinely check progress to your goal and tweak plans as goals may change. Like a GPS we attempt to get you there on the most efficient route possible. As clients near and eventually begin retirement, we provide ongoing Social Security, Medicare premium and tax planning.
Employer Benefits Analysis
Many employees are unaware of all available benefits through their employers. Part of our comprehensive services include full review of benefits and advice on making the most of the options available. From 401K investment selection suggestions, pension analysis, stock options, health, life, disability, LTC insurance, HSA funding, and more.
And more!
Educating clients on how they can best help themselves, taking on the challenge of a new situation we haven’t run in to, coordinating with your other trusted professionals, or simply evolving and adapting to better serve clients. We love a challenge and are always looking to grow and improve.