We take a holistic approach to you and to the services we offer.
There are a multitude of individual considerations that must be taken when implementing the right wealth management program.
Financial Planning
Financial Planning
A customized financial planning experience is the cornerstone of our services. We’ll begin by pairing you with a CERTIFIED FINANCIAL PLANNER™ professional. Together, you’ll discuss relevant information regarding your personal and financial goals and objectives.
Once we’ve extensively analyzed your unique needs and collected data, we’ll begin to construct a plan to help you meet your goals with considerations surrounding your specific objectives. We’ll determine which investment solutions may be best for you and begin to implement a financial plan. And because we believe our work is never done, our final stage will be to monitor and review your financial plan throughout implementation.
Our next course of action is continuous evolution and strategizing to keep your plan relevant and on track. That’s why we’ll meet for review meetings, strategy sessions and tax planning consultations to examine if your plan is continuing to meet your needs.
Here are a few of the services we provide during the financial planning process:
- Cash flow analysis: Evaluating your cash flow needs before and during retirement
- Monte Carlo analysis: Projecting the probability of successfully funding your retirement*
- Asset allocation: Developing investment strategies designed to help control the risk within the portfolio and structure it appropriately to assist you in achieving your goals and objectives
- Pension distribution recommendations: Offering lump sum, life and survivorship options
- Social Security election timing: Discussing single benefit vs. spousal benefit options
- Education planning: Providing education savings plans and recommending tax-efficient vehicles for college tuition
*based on the information you provide to us
Investment Management
Investment Management
When we create an investment management strategy for you, we take into account whether retirement is right around the corner or farther down the road. In addition, our experienced wealth advisors take the time to understand your unique standings and future financial goals.
Taking a holistic approach to investment management means your timeline, return objectives, risk tolerance, tax situation and personal circumstances are all taken into account to create a tailored strategy just for you. It is our goal to structure a diversified investment portfolio that is proactively monitored and rebalanced strategically as needed to help you remain on par with your goals.
Our investment management services include:
- Independent investment management advice
- Access to diversified investment products
- Investments matched to your financial needs and life goals*
- Proactive asset management process
- Allocations for 401(k) plans and deferred compensation plans
- Aggregation of all your accounts for easy viewing and accurate planning
- Strategies for stock options, restricted stock and concentrated positions
*based on the information you provide to us
Retirement Planning
Retirement Planning
When it comes to planning for your retirement, we draw on the extensive experience of our financial professionals to help create a clear, actionable roadmap. Through our holistic approach, we’ll create a personalized plan that incorporates:
- Income distribution planning
- Investment management
- Social Security planning
- Health care planning
- Long-term care planning
- Estate planning
- Risk management
By taking a look at your retirement through a “what-if” approach, we can help you understand the potential future impact of your current financial decisions. We place a special emphasis on complex tax laws and investment options to best advise you on the following:
- Accumulating assets for retirement
- Consolidating different retirement plan accounts
- Retirement distribution planning to make your savings last
- Potentially optimizing the treatment of tax-preferred assets
When helping you make important decisions about your retirement, we’ll strive to coordinate these choices with your estate planning, education planning, charitable giving and other important financial goals.
Proactive Tax Planning
Proactive Tax Planning
Tax laws are complex and ever-changing at both the state and federal level. Whether you’re taking on taxes for corporations, partnerships, trusts, estates or individuals, we have the know-how to help.
We’ll begin by reviewing your current financial situation to help us identify individualized strategies for active wealth management that will minimize your tax liability now and in the future. And because we believe in offering comprehensive solutions, we’ll provide you with proactive tax planning, tax preparation and investment advice all under one roof.
Other highlights of our tax planning solutions include:
- Preparing tax returns
- Complimentary review of your income tax return by our in-house CPA’s
- Management of capital gains and losses to minimize taxes
- Tax preparation and accounting services for individuals and businesses
- Business entity selection and formation services
Estate & Family Wealth Planning
Estate & Family Wealth Planning
When it comes to estate planning, we’ll use our experience to strive for financial security for you today and future generations tomorrow. We go the extra mile to understand your family history, core values and any sensitive family issues that may affect how you manage your wealth. By using this approach, we’ve proudly served families through several generations.
While we’re focusing on estate and family wealth planning, these strategies often include other important planning aspects such as financial planning, investment management, trusts, gifting and charitable giving strategies. Our personalized six-step process for estate and family wealth planning includes:
- Discussing your estate planning goals
- Reviewing your beneficiary designations and asset titling
- Providing recommendations to help reduce your estate tax liability
- Helping you identify the appropriate estate planning and trust solutions that are best for you*
- Assisting with the necessary financial steps to take upon the death of a loved one
- Implementing and executing your customized gifting strategies
*Trust services provided through strategic business relationship with a qualified estate planning attorney
Risk Management & Insurance Planning
Risk Management & Insurance Planning
It’s our belief that proper risk management is vital to a successful financial plan and investment portfolio when it comes to staying protected during unexpected life events. Our personalized process is designed to help you and your estate stay afloat when experiencing an untimely death, disability or health issue. We find risk management especially important because when not addressed properly, these events could create a financial catastrophe.
Utilizing the extensive knowledge of our CERTIFIED FINANCIAL PLANNER™ professionals, we can review and analyze your need for proper insurance coverage* in primary areas of risk including life, property, casualty, disability income and long-term care. We’ll then provide protection recommendations and insurance solutions to help mitigate, and potentially eliminate, your financial risk exposures.
As an independent RIA, we are not obligated to use insurance solutions from a specific carrier. That means we’ll continuously monitor and evaluate the appropriate solutions that best fit your risk management objectives. As you move through the insurance selection process, it is important to consider not only the cost of the insurance and coverage features but also the underwriting criteria and financial strength of the carrier.
*Based on the information you provide to us
