Our Services
Our clients entrust us with their financial well-being.
Individuals & Families
+ Total Financial Planning
When we refer to “Total” Financial Planning, we mean getting your financial house in order and providing a roadmap to a successful financial future. You’ll learn about your current overall financial picture. We’ll talk about your plans and goals, your hopes and dreams, and your wants and needs. We will put together a plan that sets you down the path to where you want to be and will monitor it over time as the goals of you and your family change.
+ Retirement Planning
When can I retire? How much do I need? From where do I take it? How should I invest? IRA or Roth? We will tackle all the major questions and make sure you understand the “Why?” behind the recommendations we ultimately provide. Maybe you already know what an enjoyable retirement looks like to you. Either way, our wish for you is that whatever you dream of that you are able to realize it. We will build a plan for you and help you make smart financial decisions along the way. Dream big and we’ll help you get there!
+ Wealth Management
A properly allocated and managed portfolio of assets can play an important role in helping you achieve your wealth goals. We have decades of experience helping all types of clients understand the various ways to invest their capital and accumulate wealth.
+ Portfolio Construction
Stocks, bonds, cash, mutual funds, real estate, gold, silver, REITs, etc. What do you hold in your portfolio? How do you know the right mix for you? What assets do you trust to hold in your portfolio? Is it appropriate for your risk tolerance? We do a deep dive into what you hold, what you desire and how it relates to your goals. Then we construct the right portfolio that fits what’s important to you.
+ Tax-Efficient Strategies
It’s been said, “It’s not what you earn, it’s what you keep.” Managing the tax bill on income and investments is an important facet of wealth accumulation. Later on, paying as little tax as necessary on income and withdrawals can enhance your standard of living in retirement. We help design strategies to grow, protect and distribute your wealth in the most tax-efficient manner possible.
+ Cash Flow & Debt Management
Simply put, a budget is your guide to staying in control of your financial life. Do you know exactly where your money is going or do you estimate everything? How much is coming in on a net basis every month? How much is going out? To take control of your finances, debt and savings, a budget is an indispensable tool. We create budgets for individuals and families of all kinds.
+ Insurance Planning
No one really likes insurance, but it does have its place. We’ll do an analysis of your current insurance policies and make recommendations for your overall insurance portfolio based on your unique situation. We have access to the most reliable, trusted insurance carriers and will help you find the right coverage for the right cost.
+ Estate Planning
Everyone should have the proper wills, trusts, and powers of attorney set up according to their unique situations. There are also additional estate tax considerations for the very wealthy that should be addressed. We combine the proper experts, resources and know-how to help you achieve your goals for passing your estate on according to your wishes.
+ Healthcare Planning
If you are a self-employed business owner, you most likely don’t have a big group plan so you look for individual plans to suit your needs. We have outlets to help you survey the market for the best plans, coverage and costs for your particular situation.
+ College Funding
We don’t have to tell you that college is important…and expensive. We can help forecast the cost of college funding and create a plan to help you reach the funds you feel necessary to help your children go to college and succeed.
+ Charitable Giving
You’ve done well for yourself. You’ve accumulated wealth well beyond your needs. You want to give back to others. An admirable goal to be sure. There are methods to donate to your favorite causes while giving yourself and your family a tax-efficient method to transfer that wealth for the benefit of those less fortunate. Humanity’s inherent desire to help others is far-reaching. We would be honored to discuss this wonderful subject with you and help you build a plan for the benefit of whatever cause is important to you.
We create the plan that protects what’s important to you.
Business Owners
+ Retirement Plans (401K & Profit Sharing)
It is advisable for a company’s plan sponsor to engage in a Benchmarking Analysis every 2-3 years for their retirement plans. We provide an in-depth cost/benefit analysis on your plan to see if it's on track and providing as much value as possible for you and your employees. Are you being serviced in a manner you deserve when it comes to your company's retirement plan?
+ Key Employee Retention & Protection
In any organization, there are those employees that you simply can’t do without. These are your Key Employees. Competitive salary and consistent raises help, sure, but these are short-term benefits that need to be protected by longer-term planning. We design and implement strategies to attract, reward, and retain the best talent available so key people are incentivized to stay with you for the long-term. Have you explored these programs to hold onto the people your business can’t afford to lose?
+ Employee Benefits
Any successful organization offers a package of benefits to their loyal employees. These benefits come with myriad options and a big price tag to the company so it’s important to identify the best programs at the best price. Our firm will survey the market of employee benefit packages available and match the best plan with your company goals and objectives. Are your plans due for an update?
+ Group & Individual Health Plans
Health Insurance! Some would say a necessary evil, only because it is so expensive to own. Premiums continue to skyrocket. Deductibles and copays rise each year along with the complexity of each plan. Benefits, coverage, plans and covered claims befuddle even the most savvy CEO or Human Resource Professional. Let us cut through the confusion and red tape and quote a strong package of benefits at the best price to cover your group or yourself.
+ Buy/Sell Arrangements
You’ve built a business together. You’ve run it together. You are all important to your company's continued success and are partners for the foreseeable future. Just as important, the success of your business is imporant to your own personal financial well-being and perhaps more importantly, your family’s. Do you have anything in place to assure that your value in your business gets to those you intend to benefit from your hard work, without affecting the future success of the remaining partners? A written, funded plan of action is the solution. Let us show you how.
+ Business Succession Planning
When the time comes to transition your company, there are specific steps that should be taken to analyze, formulate and transfer the business properly. Do you know what those steps are? We bring the care and expertise to help you transition your life's work in the way that you envision. It would be our honor to help you.