Services
Wealth Management
Investment Management
Retirement Planning
We understand that you have many choices when it comes to selecting an advisory firm. Here’s why partnering with us can make a difference:
- Transparent Fee Structure: We disclose all fees upfront, ensuring complete transparency.
- Guidance Through Market Cycles: Whether the market is up or down, we’ll provide steady guidance and support.
- Personalized Asset Management:
- Ongoing reviews and rebalancing to adapt to your evolving needs.
- Tax-efficient strategies tailored for large, complex assets.
- Comprehensive Client Discussions: We engage in in-depth discussions to fully understand your goals.
Tailored Investment Strategies
We offer a range of services designed to address your specific needs:
- Customized Portfolio Design:
- Mix of bull market, bear market, and alternative strategies.
- Separate investment strategies for retirement and non-retirement accounts.
- Advanced Investment Analysis:
- Data-driven evaluation of existing investments.
- Stress testing and Monte Carlo analysis for robust planning.
- Understanding asset correlations to enhance diversification.
Collaborative Approach
- Coordinate meetings with tax professionals or attorneys to align on strategies.
- Confidently develop strategies to meet your unique financial goals.
- Conduct due diligence meetings with investment sponsors for ongoing updates.
Commitment to Excellence
- Stay ahead by attending conferences to research comprehensive investment options.
- Provide tax-efficient investing, including tax-loss harvesting.
- Deliver insights and strategies for even the most complex asset management needs.
Retirement Planning
Investment Management
Retirement Planning
Planning for retirement can feel overwhelming, but it’s never too late to start. Here’s how we can help:
- Personalized Retirement Planning:
- Determine if your current savings will support your retirement lifestyle.
- Identify whether you’ll need to work during retirement or pursue semi-retirement.
- Explore how to fund your hobbies and other retirement aspirations.
- Income & Social Security Guidance:
- Analyze your major sources of retirement income and guide you on when to access them.
- Advise on the optimal timing for taking Social Security payments.
- Current Plan Analysis:
- Review your existing retirement plan to ensure efficiency.
- Calculate the required rate of return to meet your goals.
Comprehensive Retirement Strategies
We provide tailored solutions to meet your specific needs:
- Retirement Plan Development:
- Create a detailed plan for your retirement.
- Identify liquidity needs, savings targets, and appropriate spending levels.
- Access to Retirement Plans:
- Offer a variety of retirement plans, including 401(k) and SEP IRAs for small, midsize, and large businesses.
- Assist with beneficiary designations to align with your goals.
Supporting Your Future
With our expertise, we’ll ensure your retirement is not only appropriate, but also aligned with your dreams and aspirations. Let us help you take the guesswork out of retirement planning.
Investment Management
Investment Management
Investment Management
Understanding your risk tolerance and aligning it with your financial goals is crucial. Here’s our process:
- Initial Discussion:
- Begin with a complimentary, detailed conversation about your needs and objectives.
- Complete a risk tolerance questionnaire to establish your comfort level with risk.
- Portfolio Analysis:
- Review your current holdings to ensure alignment with your risk tolerance and objectives.
- Develop an Investment Policy Statement tailored to your goals.
- Strategic Asset Allocation:
- Design a mix of investments for bull markets, bear markets, and alternative strategies.
- Separate strategies for retirement and non-retirement accounts.
Advanced Analysis and Insights
- Use data to analyze existing investments.
- Conduct due diligence meetings with investment sponsors, with regular updates.
- Attend conferences to research specialized investment options.
- Employ stress testing and Monte Carlo analysis to prepare for various scenarios.
- Enhance diversification by understanding correlations among different asset classes.
Tax Efficiency and Planning
- Provide tax-efficient investment strategies and tax-loss harvesting.
- Help ensure your portfolio is optimized for both growth and tax savings.
By focusing on these core elements, we’ll help you pursue a well-balanced portfolio that aligns with your risk tolerance and long-term goals.
Financial Planning
Insurance & Risk Management
Insurance & Risk Management
We work with you to develop clear financial goals and create a customized plan to work towards them.
Our services include:
- Retirement Planning: Determine the required rate of return and develop a plan for an independent retirement.
- Car Buy/Lease Analysis: Help you assess the best option for purchasing or leasing a vehicle.
- Liquidity Needs: I
We work with you to develop clear financial goals and create a customized plan to work towards them.
Our services include:
- Retirement Planning: Determine the required rate of return and develop a plan for an independent retirement.
- Car Buy/Lease Analysis: Help you assess the best option for purchasing or leasing a vehicle.
- Liquidity Needs: Identify your liquidity needs and ensure you have access to the right resources.
- Savings Target: Establish realistic savings targets to meet your future goals.
- Spending Levels: Identify appropriate spending levels to maintain financial health.
- Retirement Plans: Help you decide and access different types of retirement plans.
- Multi-Generational Planning: Plan for wealth transfer and ensure your family’s financial freedom.
- Mortgage Analysis: Provide an analysis to help you make the best mortgage decisions.
- Tax Return Review/Planning: Review your tax returns and offer strategies to reduce liabilities.
- Estate Planning: Review your estate plan to ensure it aligns with your long-term goals.
- Cash Flow Analysis: Assess your income and expenses to manage cash flow.
- Risk Management (Insurance) Analysis: Evaluate your current coverage and provide recommendations.
- Education Planning: Develop strategies to save for educational expenses.
- Home and Vacation Home Analysis: Assess the best options for purchasing or maintaining property.
- Gifting Strategies: Create gifting strategies to support charitable giving and family goals.
- Strategic Partners: Provide access to a network of trusted strategic partners to support your financial journey.
Insurance & Risk Management
Insurance & Risk Management
Insurance & Risk Management
We assess clients' insurance needs, research top-rated companies to find the best match, and guide you through the entire application process.
Policy Reviews
We also conduct policy reviews to ensure your current coverage remains appropriate for your needs. As your circumstances evolve, we keep you informed and offer guidance on any neces
We assess clients' insurance needs, research top-rated companies to find the best match, and guide you through the entire application process.
Policy Reviews
We also conduct policy reviews to ensure your current coverage remains appropriate for your needs. As your circumstances evolve, we keep you informed and offer guidance on any necessary updates to your insurance policies.
Income Strategies
We specialize in finding tax-deferred growth opportunities and income options for both you and your spouse. Our offerings include:
- Fixed Annuities
- Variable Annuities
- Indexed Annuities
- Term Life Insurance
- Permanent/Whole Life Insurance
- Long-Term Care Insurance
Business Continuation & Succession Planning
We also offer comprehensive business continuation and succession planning services for large, mid-sized, and small companies.
Our Commitment to You
We work with a range of highly rated insurance companies to ensure you receive the best solution tailored to your needs.
ESTATE PLANNING
Insurance & Risk Management
ESTATE PLANNING
- Estate planning is essential for peace of mind and ensuring your wishes are carried out. Here’s how we can help:
- Assess Your Current Financial Situation:
- Collaborate with you to set and prioritize your goals for the future.
- Key People in Estate Planning:
- Financial advisor
- Attorney
- Guardian
- Executor
- Trustee
- Power of Attorney
Essential Estate Plannin
- Estate planning is essential for peace of mind and ensuring your wishes are carried out. Here’s how we can help:
- Assess Your Current Financial Situation:
- Collaborate with you to set and prioritize your goals for the future.
- Key People in Estate Planning:
- Financial advisor
- Attorney
- Guardian
- Executor
- Trustee
- Power of Attorney
Essential Estate Planning Documents
- Durable power of attorney designation
- Advanced healthcare directive
- A living will
- Trust documents, including naming successor trustees
- Naming Executors
By having these documents drafted by an attorney, your family will know how to carry on with your wishes in case of passing, incapacitation, or disability.
Asset Review and Title Coordination
- Ensure your assets are titled appropriately to:
- Minimize disputes among heirs
- Avoid probate, costly court costs, and delays
- Pass your assets tax-efficiently
Comprehensive Estate Considerations Alongside your attorney, tax advisor, family members, and financial advisor, consider the disposition of:
- Debts
- Insurance policies
- Retirement accounts
- College funds
- Personal valuables, such as automobiles, collectibles, art, or jewelry
While we do not draft documents or provide tax advice, we can recommend trusted attorneys and tax advisors or work alongside your preferred professionals.