Services

With over 75 years of combined experience in helping individuals, families, and corporations, we carry a broad experience in every aspect of financial and retirement planning. We can deliver an integrated plan that’s right for you.

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FINANCIAL PLANNING FOR INDIVIDUALS

As independent financial advisors, we have no parent company or product pressures driving our recommendations; we answer only to you. So you know you’re getting truly objective, impartial guidance in all areas, including:

‣ Accumulation, so your investments address your objectives and comfort level.

‣ Retirement Planning, so you are well positioned to pursue your dreams.

‣ Estate Planning, so you can pass on your assets to whom you choose.

‣ Risk Management, to minimize any threats to your personal or business assets.

‣ Business Planning, to help you manage and grow your business.

‣ Taxation, to minimize the tax burdens you face now and in the future.

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Financial planning for business owners

Stay focused on your business knowing that you have an experienced team to help you every step of the way with:

‣ Investment strategies, to put a plan in place that is consistent with your business goals, time horizon, and risk tolerance.

‣ Risk management, to minimize any threats to your business assets.

‣ Retirement planning, to make sure you have the right plan in place for your employees.

‣ Insurance planning, to ensure that your employees have the insurance benefits they need.

‣ Business Planning, to help you manage and grow your business

‣ Succession planning, to keep your business running smoothly when you’re ready to move on to the next phase of your life or in the event of unforeseen circumstances.

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Investment Planning

Investment planning is a critical component of comprehensive financial planning, tailored to understand your unique investment profile and aspirations. Our dedicated process includes:

‣ Personalized Investor Understanding, to delve into who you are as an investor and align our strategies with your individuality.
‣ Time Horizon Assessment, where we define the purpose of your investments, be it a home purchase, education funding, or retirement, and tailor your portfolio accordingly.
‣ Goal-Aligned Risk Tolerance, ensuring that investment decisions reflect not only your stated risk levels but also your reactions to market fluctuations.
‣ Dynamic Plan Adjustment, where we monitor progress and recalibrate your investment plan in response to life’s transitions and goal shifts.

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Retirement Planning

Embarking on retirement planning is more than just hitting a number in your bank account. It's about a personalized approach that adapts to your life's flow. Our advisory services include:

‣ Cash Flow Analysis, to debunk the myth of a one-size-fits-all retirement number and tailor to your specific needs.
‣ Social Security and Pension Assessments, ensuring we capture all potential income sources in your plan.
‣ Asset Evaluation, examining all investment vehicles such as 401(k)s and Roth IRAs to optimize your portfolio.
‣ Expense Planning, an imperative step to understanding and preparing for future expenses and lifestyle choices.
‣ Long-Term Strategies for Younger Clients, focusing on the power of compounding interest and the importance of early, consistent savings.
‣ Risk Assessment, identifying potential financial risks in retirement and creating strategies to mitigate them.

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Charitable Planning Services

Whether it is to give to causes you support or to lower your overall tax burden, we help guide you through the hurdles of charitable giving by:

‣ Providing guidance on charitable delivery options.

‣ Counseling and best practices for how charitable donations affect your retirement.

‣ Working with appreciated stock options.
‣ Working on forward-looking donation timelines to create charitable trusts.

Our Services