Thoughtful planning for your future
We assist individuals, families, and businesses in navigating various financial matters. Our mission is to provide education and support, empowering you to make informed financial decisions.
Financial Statements & Projections
The basis for making any sound financial decision is a thorough analysis of your current situation and review of potential options. We assist in organizing and visualizing your finances through an objective lens with reporting and technology to support.
Tax planning
We recognize the crucial role that synergizing with your accountant plays in crafting and executing a comprehensive tax strategy. Our primary focus is to identify tax mitigating opportunities and leverage your investment selection, asset location, and other variables to reduce projected lifetime tax-liability.
Investment Policy
Your Investment Policy Statement (IPS) serves as the foundation for making decisions with your investments. It helps to define parameters and documents our collaborative approach to constructing a portfolio tailored to meeting your unique objectives. We help craft an IPS that aligns with your financial goals, risk tolerance, timeline, and personal values.
Risk Mitigation
Risk management is a central priority when formulating your financial plan. We evaluate potential hazards and advise on strategies to reduce the odds of costly mistakes or unfortunate events. We work with you to identify which measures are appropriate for your situation such as insurance, trusts, or other arrangements.
Social Security
Social Security benefits are a critical source of retirement income for many. We provide advice on when to start taking Social Security benefits, how to increase your benefit amount, and strategies to maximize total income while minimizing taxes. With proper planning, you can ensure that you receive maximum benefits from this important program.
Real Estate & Business
For those of you with real estate or business holdings, we conduct thorough analysis to advise on the best strategies for managing these assets. We evaluate options such as loan refinancing, sale, leasebacks, gifting to family members, and 1031 exchanges. Our team also has experience in developing succession plans for family businesses.
Retirement Planning
We strive to help our clients retire through careful consideration of multiple factors such as estimated income, Social Security strategies, and portfolio withdrawal methods. Understanding your objectives and values allows us to make well-informed decisions together with the goal of providing a secure retirement lifestyle.
Estate Planning
Your financial affairs must be properly organized and safeguarded in order to preserve your legacy. We work with you to review a range of topics from beneficiary designations and tax implications to selection of estate planning insurances, trusts, and investments. We assess how each option can help preserve wealth, reduce taxes, and organize assets for yourself and beneficiaries in case of sudden illness or death.
Goal Development
We work with you closely to identify, select, and prioritize goals that reflect your needs, values and long-term objectives. This allows us to make appropriate recommendations and decisions based on your individual situation. We are also there to help monitor progress towards your goals and make necessary adjustments along the way.
Education Planning
We provide comprehensive guidance and assistance for families looking to plan for educational expenses. We review funding strategies including 529 College Savings Plans and student loans through a tax-sensitive lens. We also provide advice on how best to manage federal and private loans once you or your child has completed their studies.
Inheritance & Windfalls
Unexpected windfalls and inheritances can be both exciting and overwhelming. We help design a plan for you to achieve your desired outcome. Whether the goal is to preserve, grow, donate, or spend your newfound wealth, we will work with you to make sure it reflects your values and overall financial objectives.
Pension Maximization
For those with pension plans, it is important to review your options. Pension maximization is a technique that evaluates the benefit passed on to both you and your beneficiaries. We review all information associated with your pension in order to provide an educated decision for this type of retirement plan.
