Providing strategies as diverse as your needs

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

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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

We employ a disciplined and coordinated approach to address all the issues and complexities that often accompany the accumulation of wealth. Customized to your needs and preferences, our approach is designed to bring cohesiveness to your financial life and often involves collaboration with other professionals such as your CPA and attorney.

Components of wealth management can include:

• Financial planning
• Investment management
• Asset allocation
• Estate planning
• Trust services
• Retirement planning
• Risk management
• Tax planning
• Insurance planning
• Business succession planning
• Multigenerational planning
• Wealth transfer
• Charitable giving strategies

We believe a comprehensive financial plan must consider and prepare for the unexpected – such as accidents, illnesses and disability. Our team helps you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand that while risk cannot be eliminated, it can and should be mitigated.

Our risk management services include:

• Life insurance for income replacement
• Annuities
• Long-term care
• Disability insurance
• Liability insurance

As a successful individual, your time is valuable. You certainly understand the sense of relief that can come from placing the time-consuming task of managing your wealth in the hands of financial professionals acting on your behalf and in your best interests.

With discretionary portfolio management, you set the direction and goals, while our experienced team works together to ensure proper execution of our strategy – based on your goals, risk appetite and investment time line. Ongoing communication and transparency helps to ensure the strategy and portfolio remain consistent with your objectives and preferences.

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you might be able to someday transfer to your heirs.