Have you saved enough for a comfortable retirement? We will work together accumulating and growing your wealth and determining your cash flow needs in retirement.
We will analyze your estate documents to ensure your plan was executed the way you intended.
Are you paying too much? We will help you minimize your tax burden by reviewing your tax returns, actively tax loss harvesting, exploring Roth IRA conversions, and maximizing your charitable giving with a tax efficient gifting strategy.
If you are so inclined there are ways to get more bang for your buck. Give more to the charity of your choice and less to Uncle Sam.
We will help you assess your options when it comes to health care in retirement, which Medicare Part D plans fits your needs and the differences between Medigap and Medicare Advantage Plans.
Risk Assessment & Planning
We will help you protect you and your family from the unexpected. Do you have life insurance, long-term care insurance, disability insurance? Do you need it?
Making sure your assets transfer to your heirs in an efficient and cost-effective manner requires more than just having Estate Plan documents. We will help you create a plan that will avoid probate and consider all possible what-ifs.
How much of your child or grandchild’s education are you planning to help with? We will show you the benefits of a 529 Plan to help you reach your college funding goals.
We will collaborate with your attorney, accountant, insurance agent, and other professionals to ensure you have a comprehensive plan in place. We can also recommend professionals that we have vetted and worked with through the years.
At what age should you file for Social Security? We will help you look at the financial effect of filing at each age.
We offer fee-only, discretionary investment management and advisory services tailored to meet our clients’ financial needs and investment objectives. Our customized approach to investment management requires every client have an Investment Policy Statement that lays the groundwork of the investment strategy of your portfolio, financial plan, and ongoing management of your investments.
We stress working collectively with our clients building a comprehensive financial plan, putting the plan into action, and monitoring and implementing adjustments to the plan as required based on changes in our client’s financial situation or market and economic conditions.
COMPREHENSIVE WEALTH MANAGEMENT AND INVESTMENT MANAGEMENT
Fees are based upon a percentage of assets under management and are invoiced quarterly in arrears. This is our preferred method of working with clients and includes both investment management and all wealth and planning services.