Services
Financial Planning
What are your goals?
Whether it’s planning for college, retirement, selling a business. or leaving a legacy, it all starts with a comprehensive plan
We will work with you to identify, prioritze and develop a plan to reach your goals. Our first meeting will be to see if we are a good fit for each other. During this meeting we will spend most of our time asking questions about you and what it is you are hoping to accomplish. We will also work to develop a full picture of your current financial situation.
At the next meeting, we will present you a financial roadmap with actionable steps to lead you to your goals. We will always try to offer more than one solution so that you are able to find the solution best suited to your particular situation.
Subsequent meetings will be to monitor your progress towards your goals, verify any changes in your goals, and evaluate the investment products for performance and suitability.
Retirement Planning
Realizing the benefit of a lifetime of work
This next chapter of your life, if planned correctly, can be the most rewarding.
While you won’t be punching the timeclock Monday at 9am, you may find yourself busier than ever. Many of our clients are surprised at how busy they are in retirement. Between golf, visiting family, taking vacations, and immersing themselves in community service, many wonder how they ever had time to work.
Our job is to make sure that your retirement income is planned for so that you never have to worry about the checks not coming. Done correctly, we can help you design a reliable income stream that can stay ahead of inflation and navigate market volatility.
Investment Management
Aligning your Investments with your goals
Investment management starts with a blueprint of a portfolio that is optimized for risk and return that will meet your goals.
Whereas the news shows focus on the hot stock of the day, we instead start with a careful analysis of what the framework of your investments should look like in order to meet your goals. From here, we analyze your current investments versus this model to look for recommended changes. Next, we will offer a variety of solutions to correct any discrepancies we have identified. Lastly, we will work with you to monitor these investments and suggest changes as the markets or your situation dictates
College Planning
Giving the next generation a boost up
Planning for your Child’s or Grandchild’s college helps to ensure they are prepared to continue their education and prepare for a rewarding career
College planning for the next generation is as important for you as much as it is for your children. Ensuring that they are prepared to financially support themselves means that your retirement goals won’t be compromised by supporting them.
We will work with you to evaluate the cost of various colleges, various financial programs available to help, and saving strategies to make sure the money is ready when the child is.
We also will offer to spend time with your children to help give them the financial education that they likely did not get in school
Business Succession Planning
Passing the torch
It is no exaggeration that your business was built on your blood, sweat and tears. The struggling early years, the sleepless nights, the missed vacations, and the risks taken have built a sucessfull business. You have cared for it and now you need to ensure it cares for you.
This is a process that will involve several of your financial partners. We will work alongside your CPA and Attorney to make sure you receive the benefit of a lifelong effort. We will help you decide the value of your business, how to find buyers, and how to structure the deals. In addition, we will help you plan for the what-ifs, such as death of a key person, family changes, multi-generational ownership etc.
Estate Planning
Defining your Legacy
You want to leave a legacy for your family and charities. What you don’t want to leave is confusion or dischord.
What would you like your legacy to be? Would you like to put restrictions or safeguards on what you leave behind. How do you make sure things go where you want with a minimum of taxes. We will explain the various ways you can leave assets to loved ones or institutions. We will help you plan for such things as privacy, control, tax minimization, and income replacement for survivors.
