Our Services
How We Work
Our firm focuses on helping individuals develop retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and managing wealth.
We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.
The 5 individual plans we address
Estate Plan
We inventory all key documents and their development dates. We identify the people entrusted with offering assistance during an incapacity or at death. Any ongoing support or special needs obligations are considered. Legacy goals are reviewed and documented. Careful consideration is given to potential tax exposure of the surviving spouse or final beneficiaries. When necessary, we work with a qualified attorney.
Tax Plan
We review your current situation including taxable, tax-deferred and tax-free income in order to manage your opportunities for efficiency in both the accumulation and distribution phases of your life. Sources of income and deductions and their impact on the tax return are considered. We work in conjunction with a CPA or tax preparer in order to minimize your tax exposure.
Income Plan
We evaluate income and expense items to determine surplus and shortfalls. We develop a matrix to identify changes at the death of either spouse. We consider the tax exposure of each income source and compare against the tax plan for efficiency. When available, we review the mortality information in the insurance plan to identify potential longevity risk.
Investment Plan
We evaluate all savings and investment assets in the family's investment plan. We review the risk capacity and tolerance and compare them against your current investment portfolio. We consider the tax implications of each asset and its required inclusion and efficiency associated with the income plan. We consider the current asset allocation and compare it with your current and long-term goals.