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Life is filled with many stages and major events. We believe creating a well-defined financial plan around the goals most important to you will allow you to enjoy the journey, no matter what comes your way.

holistic solutions

Your Team of Professionals look at your entire financial picture to develop holistic solutions that go beyond investment management

Exceptional planning accounts for every possible aspect of your financial future. Creating a well-defined tax-smart financial plan is the key determinant to achieving your financial goals.

You and Your Financial Advisor work together to systematically address these 10 key wealthcare issues.

Retirement Planning

  • Develop realistic retirement goals
  • Create a Goals-Based Financial Plan
  • Income Projection Analysis
  • Review "What if" Scenarios for Retirement
  • Distribution and IRA Rollover Planning
  • Social Security Strategies
  • Medicare Planning

Investment Management

  • Integrated Asset Allocation and Portfolio Design
  • Customized Low Cost & Tax - Efficient Investment Strategies
  • Diversification Strategies
  • Tax - Loss Harvesting
  • Investment Planning based on your unique risk profile
  • Alternative Investments

Tax Planning

  • Income Tax and Estate Tax Planning
  • Tax - Optimized Investing
  • Tax Diversification (taxable, pre-tax, Roth, after-tax)
  • Roth Conversion Analysis
  • Charitable Planning
  • Trust Services
  • Tax filing Status
  • Stock Liquidation Analysis
  • NUA Planning (Net Unrealized Appreciation)
  • Annual Tax Planning and Reduction Strategies
  • Annual Tax Preparation or Return Review
  • Partnership with a CPA/Accountant

Family Risk Management (Insurance Planning and Asset Preservation)

  • Long-Term Care Insurance
  • Disability Protection
  • Life Insurance Analysis and Design
  • Income Replacement
  • Creditor Protection

Cashflow and Debt Management

  • Creditor Protection
  • Efficient Credit Management
  • Budgeting and Cashflow Analysis
  • Liability Analysis (what you owe)
  • Real Estate Purchase
  • Lines of Credit - HELOC
  • Mortgage Needs
  • Planning for Parent's Cost of Care/Eldercare
  • Helping Children Budget and Mortgage needs

Legacy and Estate Planning

  • Wealth Transfer and Tax Reduction
  • Charitable Gifting
  • Trust Services
  • Asset Ownership and Titling
  • Succession Planning
  • Family Gifting Strategies
  • Longevity Planning
  • Estate Documents Review
  • Partnership with Estate Planning Attorney

Business Planning

  • Business Succession Planning
  • Buy - Sell Agreements
  • Qualified Plan Design and Compliance
  • Non-Qualified Retirement Plans
  • Key Employee Retention

Education Planning

  • Coverdell Education Saving Accounts
  • 529 College Savings Plans
  • UGMA/UTMA accounts
  • Trust Services
  • Student Loan Needs and Analysis

Special Situations

  • Divorce
  • Incapacitation and Control of Assets
  • Special Needs Beneficiaries
  • Financial Planning for recent widows

Ongoing Service and Review

  • Annual Review or as needed
  • Update Financial Plan for recent family and lifestyle changes
  • Periodic Service calls
  • Invitations to client events and educational seminars
  • and as always, we are a phone call away

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | (763) 417-0809