SERVICES AND PROCESS

Helping clients plan a financially carefree retirement ®

Complete Planning

Our approach is not centered on specific financial products, but on strategies. Our planning process extends beyond investments and includes any factor that can impact your financial well-being, both now and over the long term. Not every financial advisory firm takes such a broad view. Although our firm does not necessarily deliver all of these services directly, we seamlessly integrate them into our clients’ financial plans. By considering the impact of financial decisions across all of these areas, our goal is to remove any unnecessary risks, prevent costly mistakes, and help clients efficiently reach their goals.

Retirement Income Planning

  • Formulate a complete wealth management plan that strives to address all of your retirement planning needs
  • Coordinate all of your current and future income, including social security and pension benefits, with the goal of building a reliable and predictable retirement plan
  • Structure your investments appropriately according to a well-defined accumulation and distribution strategy

Tax Planning

  • Determine which of your accounts should hold the investment types dictated by your investment plan in an effort to minimize your taxes
  • Discuss strategies involving tax deferral and Roth IRAs that are designed to reduce your long-term tax burden
  • Assess your capital gains and investment income with the goal of minimizing their tax impact

Investment Planning

  • Tailor a portion of your investments to any short-term reserve needs and planned expense requirements
  • Ensure your overall investment allocation matches your risk tolerance and return goals
  • Customize your portfolio to maximize your gains with a balanced approach to risk

Insurance Planning

  • Understand your healthcare with the goal of maximizing your benefits
  • Review any potential or professional liabilities to ensure appropriate coverage is in place
  • Determine your long-term care needs and help you implement a plan based on your priorities and resources

Legacy & Estate Planning

  • Ensure your wills and trusts are current and consistent with your intentions
  • Review your asset ownership and beneficiary information to identify any methods to increase the after-tax value transferred to your heirs
  • Assess your life insurance needs and discuss any strategies to help achieve your legacy planning goals