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Our Services

We deliver customized services that address your unique, comprehensive financial needs. To accomplish this, we incorporate a total wealth management approach that features:

Personal Financial Planning

Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve, and manage wealth over time.

Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to help pursue multiple financial and lifestyle goals. Your plan also provides for your heirs and defines the legacy you choose to leave.

Asset Management

Our clients require sophisticated and attentive asset management to help maximize their portfolios’ total returns in light of their risk tolerance. We construct each investment portfolio after a comprehensive analysis of your risk tolerance, investment objectives and time horizon.

After ascertaining these factors, we design an investment strategy to address your needs based on this investor profile. Our approach to effective asset management is creating and maintaining a diversified investment portfolio that is designed to work for many years.*

Retirement Planning

Whether you are in the accumulation phase or have already retired, a sound strategy is crucial to:

  • Meeting your retirement income needs, desires and expenses
  • Maintaining lifestyle choices and priorities
  • Ensuring that long-term goals and aspirations are funded including travel, healthcare, estate planning, charitable giving and other goals

We can help you develop a comprehensive plan to:

  • Identify and pursue your lifetime income goals
  • Minimize taxes on income now and during retirement
  • Evaluate the variables in your retirement plan to help maintain alignment with your objectives

Tax Strategies

Nearly all financial decisions have tax ramifications. Tax liabilities associated with income, estate, gift and various state, excise and sales taxes can take a real toll on your wealth. We can coordinate the various aspects of your financial plan to help maximize tax-efficient strategies in line with pursuing your overall financial goals.

Risk Management Solutions

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

Risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and unbiased recommendations to help you build the confidence you seek.

Education Planning

Whether you are paying tuition costs now or saving for a future goal, it is important to ensure that your education strategy is compatible with achieving your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It is important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

Since we are an independent firm, we are under no pressure to recommend proprietary education savings programs or investment products. Our only concern is which program suits your needs. The following are among popular education savings plans available today:

  • 529 Plans
  • Coverdell Education Savings Accounts
  • Uniform Gifts to Minors Act
  • Uniform Transfers to Minors Act

Check out our college planning checklist!

Long Term Care

When planning for long-term healthcare needs, it’s important to keep in mind that:

  • Medicare is not nursing home insurance and does not cover long-term care
  • Private medical insurance or Medicare supplement plans do not cover maintenance care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Check out our Family Care Planning checklist!

Estate Planning

Preserving wealth from one generation to the next can be complex and time-consuming. Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and the charitable organizations you designate, according to your wishes.

We help you articulate your estate planning goals and work closely with your tax and legal advisors to ensure your financial plan reflects your estate planning needs. Whether you use a trust or another method for accomplishing your long-term estate planning goals, we can assist you in navigating today’s complicated tax and estate laws.

Legacy Planning and Charitable Giving

Charitable giving can provide tax benefits for you and your heirs. A full assessment of the short- and long-term tax and estate planning implications is conducted to help you address your wealth management objectives.

*No strategy assures success or guarantees against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not eliminate market risk.