Where Insights Meet Solutions
When you know better you do better. It’s a simple statement that can have a profound effect on your financial outlook.
That’s why we take the time to understand the complexities of your financial life, while simultaneously looking for solutions to help better your present and future. In doing so we seek to educate you on the process while adding clarity and simplicity to the myriad of factors that stand between you and your goals.
The Power to Empower
Whether focusing on your personal or business financial planning needs, we work closely with you to help coordinate all aspects of your finances in a cohesive and methodical manner by challenging conventional wisdom, illuminating your options, and evolving your perception on money.
We’ve proudly served our loyal clientele for over two decades because we know there is nothing more important to you than the financial future of your family and your business.
That’s why we tailor our approach around your specific needs.
Services
Financial Planning
Financial planning is not a product. It’s a process. We are hands-on financial professionals who will help you define your personal and business needs. We will work with you every step of the way to develop plans to help move you toward a secure financial future, working with you to turn those plans into action, meeting with you regularly to make sure the plans you put in place are still effective over time, and making adjustments as your life changes.*
Financial Needs Assessment
Strategic Portfolio Management
Life insurance needs analysis
Disability Income Protection
Health Insurance
Special Needs Assessment
Retirement Planning
Are you on track to retire when and how you want to? Do you have a plan to take income from your retirement assets? It’s never too early or too late to start planning for a long, comfortable retirement.
College Savings Alternatives
529 Plans
Individual Retirement Accounts
Business Planning
Is your business protected against the loss of an owner or key employee? Are you doing all you can to attract and retain top talent? Do you have a plan to pass your business to the next generation?
Business Succession Planning
Business evaluation (for discussion of the financial impact of liquidation or sale)
Business overhead insurance
Buy-sell/exit strategies
Buy-sell funding options
Key employee insurance
Employee Benefit Design
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Group health*, dental* and life insurance
Group disability income insurance
Long-term care insurance
Voluntary benefit programs
Retirement and Executive Benefits
Pension and profit sharing plans
401(k) plans, Simple IRA, SEP
Deferred compensation plans
Executive bonus plans
Split dollar arrangements
*The client is free to implement the plan recommendations with whomever he or she chooses Periodic reviews or updates require a new agreement and may be subject to additional fees.
Legacy Planning
A well-designed estate plan can help minimize tax liability, fund a favored charity, help ensure your loved ones will be cared for, and provide you with the peace of mind that you will be remembered the way you want to be.
Hypothetical Probate Analysis
Tax Minimization Strategies
Charitable Giving Techniques
Family Limited Partnerships
Protection Planning
Your income generates your cash flow, which determines what your lifestyle will be. What if you become disabled and can’t work or even die unexpectedly? Your financial plan should have a foundation of insurance protection, along with strategies to build wealth and save taxes.
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Life Insurance
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Disability Insurance
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Long Term Care Insurance
Annuities