To best serve our clients’ unique needs, we design tailored financial plans centered around specific goals. These plans are built by incorporating one or more of the following service areas:
In this fiduciary role, we provide unbiased, fee-only guidance that extends beyond number crunching and investment discussions. As part of our comprehensive financial advice, we may collaborate with experts in tax, estate planning, business valuations, real estate, and philanthropy.
Our written financial plans provide a comprehensive framework, encompassing budgeting, strategic insurance recommendations, income tax savings strategies, investment allocations, and progress tracking toward significant long-term goals, including education and retirement planning.
Getting on the path to financial success starts with understanding where you stand right now. We'll evaluate your income, expenses, assets, liabilities, cash savings, and how much you pay in taxes.
One of our top priorities is safeguarding you, your family, and your financial goals from unexpected events. We help you manage risk by advising on selecting the proper life, disability, and long-term care insurance coverages.
Markets can be unpredictable, often resembling an emotional roller coaster with their ups and downs. We guide you through these market fluctuations, providing well-informed investment ideas and strategies aligning with your risk tolerance, time horizon, and financial goals.
Tax planning requires our attentiveness to tax laws, staying current with changes, and emphasizing efficiency. Our discussions will center on forward-thinking strategies concerning pre- and post-tax savings, dividends, interest, and capital gains. Additionally, we'll explore subjects like Roth conversions, charitable giving, and the taxation of executive benefits, including stock options, awards, and purchase plans.
As a business owner, your business affects not only you and your family but also your employees and their families. We help business owners optimize benefits for everyone, from group health insurance to tax-efficient retirement plans, executive benefits, and insurance policies like buy/sell and key person coverage. We also assist in planning for business continuity in exit scenarios to safeguard the well-being of employees, clients, customers, and your business's reputation.
Retiring comfortably requires a savings strategy, but maintaining your desired lifestyle calls for a well-mapped-out income plan. We'll create a retirement strategy that factors in decisions about when to start drawing Social Security, selecting the proper pension, consolidating retirement assets, and provide investment advice for your immediate, intermediate, and long-term income needs.
You've created a legacy, and now it's time to think about passing it on to the next generation. We'll explore various strategies, including the fundamental elements like wills, medical directives, and a power of attorney, as well as creative and tax- advantaged estate distribution options to minimize taxes and avoid probate such as gifting, life insurance, and trusts.
Life is unpredictable. We'll help you navigate events like inheriting an estate, receiving life or disability insurance benefits, caring for elderly parents, divorce, second marriages with blended families and finances, Social Security spousal benefits, and estate considerations.
