Our team of diverse advisors allow us to serve a wide range of clients. While each client situation is unique, we believe they all share a common goal: the pursuit of financial peace and security. Our clients include:
Starting a business offers independence, family support, and flexibility, but it also brings a responsibility beyond your family. Your employees, the backbone of your business, depend on your success.
We'll explore enhancing benefits for key employees and planning for business continuity beyond retirement or selling. Topics may include:
Corporate executives, with demanding schedules and unique compensation structures, often have a substantial portion of their wealth tied to company stock. We help them balance this attachment with their overall portfolio. Our services include reviewing stock options, restricted stock units and awards, and crafting a wealth transfer plan that considers taxation, future rewards, and long-term goals.
We can assist employees who receive company stock as part of their compensation. We can help you navigate the complexities of stock options, restricted stock units and awards, and employee stock purchase plans, ensuring you understand exercise and vesting periods, tax implications, and diversification strategies. Our goal is to integrate these awards into your overall financial plan with tax efficiency.
Our advisors growing up in military families have firsthand insight into the financial planning needs of military and civil service members. We can help optimize your finances, including taxable and nontaxable income, insurance, retirement plans, and Thrift Savings Plan (TSP) contributions. If you're nearing retirement, we assist with TSP rollovers, pension tax planning, and explore life insurance options for flexibility and cost-effectiveness.
Whether you work in a specific area of medicine, pharmacy, or nursing, we offer specialized financial advice tailored to healthcare professionals. We understand the unique challenges of your profession. Certain retirement plans offer enhanced investment management features. Our goal is to help you make informed decisions regarding investments, retirement planning, pension selection, and insurance to help safeguard your financial well-being after years of education and training, allowing you to focus entirely on your patients' well-being.
You've diligently saved and accumulated assets for this moment. Now, the challenge is to manage your resources wisely to ensure they last throughout your retirement years. There are several important factors to consider, such as deciding when to take your pension, when to start collecting Social Security benefits, and the changes with the required minimum distribution (RMD) age, among others. We collaborate with you on strategies for income-oriented investing, implementing a “paycheck”, and selecting investments that can keep pace with inflation, ensuring you enjoy a financially secure retirement.
In a self-employed role, such as being a real estate agent, freelancer, or consultant, your needs are unique, and conventional benefits packages may not be an option. Your approach to income taxes, Social Security contributions, and retirement planning sets you apart from those in traditional corporate positions. We're here to assist you in choosing the right retirement savings plan, whether it's a SEP IRA, SIMPLE IRA, Solo 401(k), and/or Roth IRA, and to emphasize the significance of safeguarding your income through disability insurance coverage.
Coping with the loss of a loved one is challenging. Surviving spouses are frequently overwhelmed by grief and confusion when dealing with estate matters, income and estate taxes, and unraveling financial accounts. We're here to provide support and clarity during these difficult times, offering comprehensive reviews of the estate to help alleviate stress and navigate the financial life that lies ahead.
Receiving a windfall of assets—cash, investments, real estate, personal property, and possibly a business—can be an overwhelming experience and may bring numerous challenges. We'll collaborate with you to simplify asset distribution, build a plan that aligns with your current and future needs, potentially invest for income, and help safeguard your wealth from unforeseen events. Depending on your inheritance's complexity, we may engage other professionals like estate planning attorneys to creatively preserve and protect your newfound wealth.
We have a longstanding history of assisting Chubb employees for almost 20 years. Our familiarity with the corporation, the compensation package offered, and the transitions resulting from the Ace merger, allows us to provide tailored guidance. Many Chubb employees seek our expertise in preparing for retirement, managing their 401(k) investments, and navigating the income options of the pension plan. If you hold a management or VP role, our discussions will extend to include in-depth analysis of your employee stock purchase plan (ESPP), stock options, restricted stock units, awards, and performance shares, tailored to your unique situation.
Many individuals seek our services during job or career transitions. While adapting to changes and uncertainties, we can provide guidance on understanding budgets, managing pay changes, addressing tax implications, handling retirement plan rollovers, selecting investments in your new retirement plan, and incorporating or adjusting pension plans in your financial strategy. Additionally, we can help you understand and select from your new benefits package and bridge any gaps where your new benefits may be limited or insufficient.
If you're seeking or recently faced a divorce, there are distinct financial and tax considerations that need your attention. A Certified Divorce Financial Analyst (CDFA®) can give you a comprehensive understanding of your financial landscape — before, during, and post-divorce — to avoid common financial and tax oversights during divorce proceedings. We’ll work alongside lawyers in completing financial analysis in helping your split marital assets fairly and delivering financial meaning to agreements to assist in negotiation. This requires analyzing assets and financial items like real estate, personal property, businesses, retirement accounts, insurance policies, income, and expenses.
