We combine holistic financial planning with customized investing to help you identify opportunities and optimize your portfolio, as well as achieve your most important life goals.
Our detailed, 5 step planning process allows us to completely understand each client’s person and financial situation, objective, risk tolerance,:
After completing our financial planning process we are able to:
Wouldn’t it be nice to have a financial expert in the family? One that could help you navigate the everyday financial maze of life? Helping you to understand and optimize various financial situations is central to our role. Should you pay cash or finance your next car, might you be eligible for college financial aid, what health insurance plan is best for you, how can you maximize the value of your business? These are all areas where we can help. Our extensive knowledge of your financial situation coupled with our financial expertise affords us the unique opportunity to give you the perspective and advice you need to avoid financial potholes and capture opportunities.
However, we recognize that no client’s financial life is neither static nor one-dimensional. Don't worry about missing something. Our financial planning process is not a one-off transaction We meet regularly to keep up with what's happening in your life. Financial planning is a process, and we will continue to review and recalibrate your plan as your life evolves.
Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years or before age 65. An array of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and to whom to turn for assistance.
Beyond the quantitative aspects of planning for retirement, there is a qualitative benefit to working with a financial professional who has helped clients navigate the emotional aspects of shifting from full-time working to full-time leisure and saving money to spending money. It is important to have your goals identified, establish a sense of purpose, and have a general game plan of how you want to spend those golden years.
Some of the main areas we help our retiree clients navigate in retirement are:
The complex tax and legislative environment surrounding retirement planning only compounds the confusion. With qualified plans, such as IRA, pension, profit sharing, and 401(k) plans, the timing and amount of withdrawals are critical in order to avoid additional tax penalties. We give our retiree clients the freedom to travel, learn new hobbies, and enjoy retirement, without having to worry about if they are optimizing their retirement assets or managing their taxes properly. Oftentimes, the most valuable asset a person can have is time.
Part of living confidently in the present is knowing that your wishes will be carried out in the future. We help to create estate plans that will protect and efficiently transfer your wealth while conveying your wishes for your loved ones and your own care.
Proper estate planning allows you to transfer your wealth according to your wishes while minimizing unnecessary taxes and expenses. Our goal is to ensure you have taken prudent steps to reduce your tax liabilities and to help to create the most effective means to finance any future tax liabilities.