Services essentialto your financial life

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. We can help you prepare for this most significant milestone in life.

Our team is well-versed in helping you manage the complexities that wealth can often bring. Our wealth management services include:

• Wealth preservation and transfer strategies
• Risk management
• Liquidity management
• Charitable giving
• Management of concentrated asset positions

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- and long-term goals. Our comprehensive financial planning services include:

• Net-worth analysis
• Cash flow planning
• Strategic asset allocation
• Retirement planning
• Traditional IRAs
• Roth IRAs
• Qualified retirement plans
• Company retirement plan rollovers
• Education planning
• Education savings accounts
• 529 college savings plans
• Custodial accounts
• Trust and estate planning
• Insurance and annuities
• Liquidity and cash flow strategies
• Tax planning and liability management

If you’re a business owner it’s likely much of your net worth is tied up in your company. It’s also likely you may have not determined your exit strategy. If this is the case, don’t wait any longer. It will take time, thought and skill to put you into a position to reap the benefits of the time and effort you’ve put into your business.

Among the many decisions, you’ll need to determine the most appropriate structure for divesting your business. You could:

• Sell it to a competitor,
• Sell it to one or more key employees or
• Keep it in the family.

You must also consider the form in which you’ll receive payment including:

• Lump sum payments,
• Periodic cash payments,
• Combination of stock and cash, or
• Satisfaction of knowing the business will stay in the family, being run by someone who is willing and able.

 

We can help you structure the strategy that’s most appropriate for your situation as well as advise you on how to invest the proceeds.