Investment Management
We help our clients create and maintain their wealth by investing in a tax-efficient and low-cost manner that balances risk and return. All recommendations are based on the client’s stated goals and objectives. We believe in a disciplined, diversified approach to asset allocation based on the client's risk profile. Using time-tested, proven investment principals along with the latest market insights, we assist you with the following:
- Investment selection
- Identify investment goals
- Manage and rebalance portfolios
- Establish risk tolerance
Retirement Planning
A primary concern for many clients is how to be sure they have accumulated sufficient assets to live a fulfilling and comfortable retirement. Clients also find planning for the non-financial aspects and unknown contingencies that may arise during retirement is also important. Whether you are near retirement, many years away, or living it now, we can assess your retirement goals, provide objective guidance, monitor and review your progress. We assist with a variety of retirement-related concerns:
- Retirement income solutions
- Social security planning
- IRA and 401(k) rollovers and transfers
- Retirement plans for business owners
- Planning for continued care of elderly or special needs family members
Tax Planning
When it comes to tax issues, we start by analyzing your tax returns in search of risks and opportunities to lower your taxes now and in the future. We not only work to reduce your tax liability over time but also maximize both pre and post-tax income. Since tax laws change frequently, it is important to regularly review your tax situation. Listed below are some of the strategies and investments we use to address tax issues:
- Roth conversion planning
- Tax loss harvesting strategies
- Tax free Income Investments
- Tax differed investments & annuities
- Developing an Income Tax Plan
- Utilizing Life Insurance Plans
Education Planning
We help families save adequately to meet the rising cost of providing an education. We help you estimate your family members' current and future education costs. We can evaluate tax-efficient savings options and suggest investment and insurance strategies to help make education goals a reality.
- Coverdell Education Plan
- 529 College Plan
- UTMA/UGMA Custodian Plan
Risk Management & Insurance
Protecting your wealth is as important as growing it. Appropriate insurance coverage is an integral part of any financial plan. As a risk management option, insurance can replace lost income due to disability or death, provide needed funds for estate taxes or help pay for long-term care, or help ensure continuity of business interests. As part of an insurance review the following can be discussed:
- Life Insurance
- Long-term care Insurance
- Guaranteed Income Annuities
- Possible updates to beneficiary selections
- Coverage gaps and recommend new coverage
- Determine if your family or your business is appropriately covered
Estate Planning & Wealth Transfer
Estate planning plays an important role in safeguarding your family's wealth, reducing or eliminating unnecessary taxes and avoiding probate. We can help ensure your legacy will continue. We help you work with an attorney, tax advisor or accountant to create a plan. The goal is to help you achieve a careful balance of control and flexibility, shaping your family's future while responding to its changing needs. We can assist you with:
- Evaluate insurance needs
- Protecting your assets & loved ones with trusts
- Planning for estate taxes
- Transferring wealth and gifting
- Developing a family or business succession plan