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.)

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

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.

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

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

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

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

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.

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

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

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

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

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