Services

• Detailed analysis of your current and projected cash flow needs
• Recommendations and/or alternative strategies to address each financial goal (i.e. retirement, buying a house, funding college education, travelling the world, etc.)
• Managing your investment allocations and tax planning strategies
• Identify risk management strategies
• Evaluate estate planning concerns amid frequent law changes
• Implementation and ongoing monitoring of the agreed upon strategies
• Coordination with your tax and legal advisors
• Periodic review of your goals and overall financial health and well-being

We create custom strategies tailored to your goals.  Whether your investment objective is tax-efficiency, capital appreciation, distribution of income, or preservation of capital, we construct and monitor a strategy designed to address your specific need.  Using a disciplined approach to investment selection, our portfolio management professionals seek out options including stocks, fixed income, municipal bonds, mutual funds, exchange-traded funds (ETFs), and alternative investments to develop a comprehensive mix in line with your risk tolerance and time horizon.  Our ongoing management of your portfolio allocation supports our commitment to timely responses to your changing needs.

Retirement planning begins with your first contribution to an IRA or employer plan.  We work with individuals and small business owners to develop a road map for retirement confidence using tax-efficient vehicles such as 401(k) and 403(b) plans, Traditional and Roth IRAs, SEP Plans, SIMPLE IRAs, and Defined Benefit Pension Plans.

Similarly, saving for educational expenses may yield results when starting early.  We can help you find the right program for your future college grads with options including 529 savings plans, Coverdell Education Accounts, UTMA or custodial accounts.

*Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

Losing a spouse or partner to death or divorce can be one of the most devastating events one may go through in life.  Navigating finances alone during this troubling time can lead to irreversible financial mistakes.  Our team will provide you a glidepath to pursuing financial confidence and work closely with your tax and legal advisors.  Helping our clients determine the immediate tasks versus those that can wait until the dust settles adds clarity to a long and confusing list of to-dos.

Planning for a loss before it occurs can reduce the stress of sorting through matters when one may be emotionally unprepared to do so.

One of the most common financial concerns today is whether or not you have saved enough to last in retirement.  Sound decisions are vital in pursuing your goals and avoiding costly mistakes.  We can provide you with the knowledge needed to choose your social security income strategy, decipher any pension income options, and diligently develop a potentially sustainable strategy in an effort to utilize your investment portfolios and other retirement assets seeking to allow your purchasing power to keep up with the rising cost of living.

We will work to identify any vulnerabilities or unnecessary risks to your long-term objectives and implement strategies to address these exposures. We have a thorough understanding of the various platforms available which include Life Insurance, Annuities, Long-Term Care, and Disability Income Insurance strategies. The critical time to address your risk management needs is before a devastating health event or loss of life.  Our tools may allow us to measure the potential consequences of your various exposures and to identify the appropriate avenues to pursue them.