Broker Check

Services

INVESTMENT AND TAX MANAGEMENT

  • Evaluate current portfolio and look for opportunities to increase potential returns
  • Provide annual asset allocation review and account rebalancing
  • Review your investment strategy to maintain an individualized investment portfolio
  • Discuss the tax benefits relating to the optimization of your 401(k), 403(b) or other retirement plan options
  • Utilize tax aware investment strategies (ETFs, Municipal Bonds, Tax Loss Harvesting, etc.)

RETIREMENT PLANNING

  • Develop a plan to allow you to retire at the age and level of income you desire
  • Evaluate pension plan structures, IRAs, Roth IRAs and/or qualified plans
  • Social Security income optimization: determining at what age to begin taking benefits
  • Calculate IRS required minimum distributions (RMDs) from applicable retirement accounts and educate you on the regulations
  • Evaluate Roth IRA conversion opportunities to determine if appropriate

ESTATE PLANNING

  • Advise you on the implementation and proper use of estate planning tools: wills, trusts, powers-of-attorney, etc., as it relates to your financial plan.
  • Review ownership and beneficiary designations on all accounts
  • Provide education and guidance on charitable giving strategies
  • Provide recommended strategies to reduce or eliminate future estate tax liabilities
  • When appropriate, consider advanced estate planning strategies such as CRTs, CRATs, ILITs, FLPs, etc.

PERSONALIZED FINANCIAL PLANNING

  • Develop, establish, and track financial goals: focusing on priorities, direction and structure
  • Analyze major financial decisions and calculate what impact they have on your financial plan (buy a house, sell a business, retire early, etc.)
  • Analyze and explain how to best utilize employer benefits
  • Evaluate stock option and RSU planning strategies
  • Analyze debt structure and organization and assess opportunities for potential
    improvement

RETIREMENT PLANNING


NONPROFIT AND FOR-PROFIT INSTITUTIONAL INVESTMENT SERVICES

  • Provide the framework for Boards to successfully fulfill their fiduciary responsibilities
  • Review goals and objectives on spending policy, capital preservation/appreciation, as well as cash flow needs
  • Help create, modify, and implement the Investment Policy Statement
  • Dynamic Portfolio Management inclusive of ESG investment strategies
  • Provide education to Board and Organization members

INSURANCE REVIEW

  • Evaluate current life, disability, long- term care, health, umbrella, property and auto insurance and look for opportunities for improvement and money savings
  • Provide assistance in evaluating and selecting the most appropriate Medicare Supplement policy upon reaching age 65

BUSINESS OWNER PLANNING STRATEGIES

  • Establish and maintain qualified retirement plans for the business (401(k), Defined Benefit Plans, SEP IRAs, etc.)
  • Evaluate current business insurance and recommend improvements, if needed
  • Analyze current employee benefits and provide options
  • Assist with Buy-Sell agreement funding and Key Person protection strategies
  • Provide information on business transition and succession strategies

EDUCATIONAL EXPENSE PLANNING

  • Calculate and define the potential future costs of a child’s higher education needs
  • Educate you on the various minor account ownership options: UTMAs, Education IRAs, 529 plans, etc.

OUR PLANNING PROCESS

DISCOVERY

We create strategies that are tailored to your needs and goals.

PLANNING

Years of experience have prepared us to guide you through your life transitions.

STRATEGIES

Honesty. Integrity. We believe values matter, and we live by ours every day.

MONITORING

Want to learn more about retirement, social security, or estate strategies? We have a wealth of resources.

Financial services tailored to your needs.

Let's Start a Conversation