Overview

We provide comprehensive financial planning and wealth management services, addressing specific needs a range of categories. Each area has many specific issues that may need to be considered and understanding your situation helps us identify what you need, and when.

  •  Personal Financial Planning
    • Preparing and Updating Personal Financial Plans
    • Retirement Planning
    • Goals & Assumptions
    • Sources of Income
    • Expenses and Budgets
    • Debt Management
    • Cash Flow Management
    • Emergency Funding
    • Integration with Portfolio Management
    • Measuring Outcomes
    • Social Security Planning
  •  Risk Management & Insurance
    • Integration with Financial Plan
    • Review of Existing Policies
    • Medical Insurance
    • Medicare Planning
    • Disability Insurance
    • Life Insurance
    • Annuities & Cash Value Life Insurance
    • Property & Casualty Insurance
    • Long Term Care Insurance
    • Group Insurance
    • Umbrella Liability Insurance
    • Health Saving & Flexible Spending Accounts
    • Mortgage Review
  •  Estate Planning
    • Wills
    • Financial Powers of Attorney
    • Healthcare Directives
    • Trusts
    • Roles for Executors, Agents and Trustees
    • Guardianship for Minor Children
    • Selecting an Estate Attorney
    • Implementation of changes
  •  Investment Planning
    • Portfolio Rebalancing
    • Stated Investment Policies
    • Portfolio Design
    • Asset Allocation
    • Security Selection
    • Review of Current Holdings
    • Building Portfolios 
  •  Tax Planning
    • Review of Prior Year’s Tax Returns
    • Status of Realized Gains
    • Status of Carry Forward Losses
    • Tax Loss Harvesting
    • Review of Cost Basis of Securities
    • Deductions, Exemptions & Credits
    • Recommending Tax Withholdings
    • Opportunity for ROTH Investing/Conversions
    • Tax Effective Gifting
  •  Portfolio Management
    • Contributions & Withdrawal Strategies
    • Purchasing thru Dollar Cost Averaging
    • Managing 401(k), 529, IRA, Trust & Taxable Accounts
    • Required Minimum Distributions (RMD)
    • Immediate Cash Needs
    • Trading & Rebalancing
    • Performance Reporting
  •  Helping Your Family
    • Gifting
    • Educational Planning/Funding
    • 529 College Saving Plans
    • Uniform Gift to Minors (UGMA)
    • Caring for Parents & Special Needs
    • Charitable Giving

     

As fee-only financial advisors, we do not receive any commissions and we are committed to using investment vehicles with the lowest possible fees. Keep in mind that asset management is only one part of comprehensive financial planning. Much of the value we provide comes from knowing you and your specific needs, and doing everything possible to help you achieve your goals, be it managing capital gains, mitigating tax liabilities, creating estate plans to protect your legacy, advising on retirement and Social Security filing strategies, etc.

Learn more about our services.

Financial PlanningInvestment ManagementConsulting Services