Financial Planning with Personalized Service

We work closely with you to identify and prioritize your goals. We then develop a road map to help you consider your future options and optimize your financial security. Additionally, we quarterback with your advisory team - including accountants, attorneys, mortgage broker and banker - to ensure seamless execution of your plan.

Investment Design

Through thoughtful, personal discussions and through establishment of what is important to you, we create your Investment Process and determine your Investment Allocations. This service is designed with appreciation of your risk tolerance, personal financial requirements and your financial obligations and resources.

Taxes Planning

We are mindful of taxes when creating and managing client portfolios. You may have taxable accounts, tax-deferred accounts such as IRAs and 401(k)s, and tax-free Roth accounts. Your after-tax return can be increased by the intelligent placement of various investments in these different account types. Our work also includes analyzing the tax ramifications when making decisions about selling appreciated securities, selling company stock, or exercising company options. 

Protection

We will work with you and your insurance agents to make sure that you have the proper amounts of life insurance, disability insurance, home insurance, vehicle insurance, and umbrella insurance.

Estate Planning

We will work with your estate attorney to create an appropriate estate plan so that your wishes are followed if something happens to you. The estate planning documents include trusts, wills, living wills, powers of attorney for finances, and powers of attorney for health care. We will join you in meetings with an estate planning attorney to create or update your estate plan.

Ongoing Advice

Creating a comprehensive financial plan is an important first step, but our services don’t stop there. Life changes, financial goals are updated, markets become more volatile, inflation and taxes rise, jobs are lost, and new opportunities arise.

We believe that it is important to work with our clients over time to help them navigate these changes. You can email, call, or meet with us as often as you would like. As your life changes, we will work together to make appropriate updates to your financial plan.