Grow & Preserve Your Wealth

Our Services Support You

Our holistic array of services is customized for each client, based on their unique needs, wants, concerns and values. Before offering any services, we get to know each client’s story and understand their journey. We are also a fiduciary firm and committed to doing what is in the best interest of each client, with every interaction and transaction.

Tax Mitigation

Did you know that certain financial and insurance strategies have the potential to either help or hinder your tax burden today or years down the road? We know the details on tax strategy when it comes to investments and insurance and can assess your situation to see if you are paying too much or putting yourself at risk in the future. We can also work with your CPA or accountant to help make sure your tax situation supports your overall financial plan. The more you can save on taxes, the more you can invest or spend in other areas of your life.

Health Care Strategies

Future health care costs can be a financial risk. While we all hope to live long and healthy lives, the reality is we all age and with that comes declining health. While private health insurance and Medicare many costs, policies don’t cover long-term care in the home or in an assisted living facility. We can look at your situation to see if long-term care insurance could offset financial risk related to unknown health care costs later in life.

Retirement Income Planning

Retirement income planning is a broad look at all of your potential income streams in retirement and seeing how those streams can work together. We look at timing, age requirements, filing options, required minimum distributions and of course tax ramifications. Types of accounts reviewed in our planning process include pensions, 401(k)s, IRAs, Social Security, investment property, inheritances, annuities, and more. We can see what you have in place and make recommendations to fill gaps.

Investments & Insurance

Investments and insurance strategies are often found working side-by-side in client plans. Investments can offer growth and preservation while insurance can offer protection from the “what ifs” in life. With investments, we can look at your overall assets, assess risk tolerance and time horizons to make sure your assets are working for you. With insurance, we can make sure that you have the right policies in place to leave life insurance to a spouse or other loved ones. We can even look at annuities as a way to create an additional stable income stream.

Longevity Strategies

Longevity is a risk in retirement. Most of us save for decades and hope that we have enough to retire and stay retired. However, we don’t know how long we will ultimately live. This is where longevity strategies become important to think about and consider in an overall financial plan. We can look at your situation and see if it looks like you have enough to retire without running out of income. Based on data, we can recommend strategies to lower the risk of outliving your resources.

Legacy Planning

Leaving the thoughtful gift of a legacy to loved ones or charity is appreciated by those left behind. We can work with you to make sure that you have suitable life insurance in place so that those dear to you have the resources they need when the time comes. We can also help to make sure beneficiaries are up to date on all accounts. We can also work with you and your attorney to help make sure your final wishes are legally documented through wills, trusts and estate planning.

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.