Our Services

Our Services

We offer a wide variety of financial planning services. We specialize in fee-based financial planning, investment management, insurance, and executive benefits. We help our clients prepare for retirement, fund their children's educations, protect against financial emergencies, and many other things. Our goal is to build a long-term relationship based on respect and results.

We do not charge a fee for initial consultations, and will always disclose ahead of time how compensation for any work that we do for you. We are committed to complete fee transparency and believe deeply in the value we provide to our clients.

Investment Management Services

We do not offer standardized solutions. Instead, we listen first, gather information, and make recommendations based on our clients' specific situation and goals. Because each one of our clients is unique, each one needs a unique investment strategy.

Our investment management services are a part of our comprehensive financial planning services. An appropriate investment strategy is one that takes into account the client's specific goals, risk tolerance, time horizon, financial position, and the ability to save.

Our investment management services include:

  • Helping clients determine how much to invest to achieve their goals
  • Advising clients on what types of accounts and products are most appropriate for them
  • Recommending investment strategies necessary for a client's time horizon and risk tolerance
  • Building broadly diversified portfolios across market sectors and asset classes
  • Rebalancing portfolios to maintain target asset allocations
  • Monitoring and minimizing fees and expenses
  • Working with our clients' accountants, attorneys, and other advisors to coordinate services
  • Discouraging market timing and helping to prevent our clients' making emotional rather than rational investment decisions
  • Facilitating transfers, withdrawals, contributions, and other transactions
  • Reviewing our clients' accounts with them to keep them informed
  • Educating our clients so that they fully understand and are comfortable with the strategies we are using
  • Making ourselves available to answer questions and address issues as they come up

We use a comprehensive financial planning process to help our clients identify their goals, get organized, create an action plan, and put themselves in the best possible position for success.

Our financial planning process involves six steps, which are always a collaboration between our clients and us:

  1. Discuss goals and objectives
  2. Gather data
  3. Analyze and develop a plan
  4. Present and deliver the program
  5. Implement plan
  6. Monitor and update plan
  7. Review no less than annually
  8. A financial plan can help you get your life organized, identify and manage risks, develop an appropriate investment strategy, get on track toward achieving your goals.

Each financial plan is unique, but most will include the following:

  • Financial Position Analysis – This will organize and analyze your income, expenses, assets, liabilities, and cash flow to establish your overall financial position.
  • Asset Protection – The plan will address risks that could derail your progress toward achieving your goals, and will recommend solutions to mitigate those risks. Risks may include disability, unemployment, medical expenses, long-term care, premature death, and other financial emergencies.
  • Investment Planning – The plan will analyze your current investment position and goals and develop investment strategies that will minimize risk while providing sufficient returns needed to meet your goals. Investment planning will also address specific purposes, such as college expenses and retirement.
  • Tax Strategies – The plan will address ways to manage and reduce taxes effectively during both pre-retirement and post-retirement years.
  • Retirement Planning – The plan will determine your ability to maintain a desired lifestyle throughout retirement, how best to save for and fund retirement expenses, and how best to utilize Social Security and other pension benefits.
  • Estate Planning – The plan will provide analysis of wills, trusts, powers of attorney, and other documents to determine if current strategies will effectively transfer your assets to heirs at minimal cost and fulfill one's goals.

Insurance Analysis

A big part of keeping your dream alive is making plans to protect the financial situation of your loved ones, particularly your dependents. We believe that sound planning begins by building a strong base of financial security. We have access to a full spectrum of insurance products designed to help you manage the risks of premature death, disability, and health care. We guide you in choosing the type of coverage that is appropriate for you and your family, including those available through your employer. Insurance products offered through numerous top-rated companies.