Services

We understand that every client’s investment needs and goals are unique. Our team of experienced advisors and investment specialists is here to provide personalized advice, guidance during changing market environments, and to ultimately help you make informed investment decisions. Whether you’re looking to accumulate wealth, generate income, or plan for retirement, we’re here to help navigate the potential complexities of the financial markets with you.

Before investing money for a client, we first seek to understand your unique goals, financial situation, time horizon, risk profile, and more. Together, we will then develop an investment strategy that is designed to best fit your objectives and preferences. And although your ultimate portfolio will be tailored to you, our overarching investment philosophy and principles emphasize goals-based investing, diversification, low-costs, tax-efficiency, and discipline.

Investment Management Can Help Answer These Questions:

• How should I allocate my investment portfolio?
• What are the differences between stocks, bonds, mutual funds, and ETFs?
• What is my risk tolerance and capacity and how should these influence my portfolio?
• Are my portfolios be positioned to achieve my short- and long-term goals?
• Do my investments align with the timelines of my various goals?
• How can I reduce taxes on my investments?
• Is my portfolio adequately diversified?

Preserving your wealth and ensuring a lasting legacy requires careful estate and legacy planning. Our team of experienced professionals and specialists will work with you to create and monitor a personalized plan that incorporates your unique goals and priorities, tax implications, and the needs of your family and beneficiaries. Since these strategies are a critical component of a larger financial and/or wealth transfer plan, we also aim to work closely with your other trusted advisors (estate attorneys, CPAs, wealth managers, business planners) to implement and deliver a synchronized and effective solution. Whether you are looking to protect your family's financial future, support charitable causes, or leave a lasting impact on the world, we are here to assist.

Estate & Legacy Planning Helps Answer These Questions:

• Who will inherit my assets and how will they be distributed?
• How can I preserve and pass on my legacy and values to future generations?
• How can I minimize the tax impact of my assets when I pass them to the next generation?
• How can I ensure that my spouse, children, and/or other family members are cared for if I pass away?
• How can I support charitable causes and organizations when I’m gone?
• How are my assets protected from creditors or other legal claims?
• Do trusts, foundations, or other estate planning tools make sense for me?

Financial planning is the cornerstone of financial success and can empower individuals and families to proactively improve their financial well-being. With a holistic approach and expertise, our team of advisors and specialists are here to work with you to develop a compressive plan tailored to your unique objectives and needs. Whether you're planning for retirement, saving for a child's education, juggling many goals, or just want to improve your overall financial health, we have the expertise and tools to help you get there. From budgeting and saving strategies to investment planning and risk management, we're here to guide you every step of the way. 

Financial Planning Helps Answer These Questions:

• When can I retire?
• Am I saving enough?
• How much money will I have for retirement?
• How long will my money last?
• What may my cash flow look like in retirement?
• What will our retirement lifestyle look like?
• Does my portfolio have diversified tax treatment on distributions during life and/or at death?
• When does it make sense for me to start social security payments?
• Can I be managing debt more effectively?

Protection planning is the first step in protecting your future income and family’s well being should you pass away or become incapacitated.  Our team of experienced financial professionals will work with you to create and monitor a personalized plan that considers your unique goals, priorities, timeline and risk exposures. Protection needs shift over time as individuals enter different phases of life, whether that be entering the workforce, starting a family, exploring a new business venture or entering retirement.

• Do I have enough life insurance protection to protect my family in the event of my premature death?
• If I were to die early, how would college expenses or any outstanding debts be settled?
• How would my income be affected if I were to become sick or disabled?
• What if I were to need substantial medical care in my later years?
• Does my existing portfolio match my time horizon?
• What type of life insurance makes more sense for me: term or permanent?
• What are the tax implications associated with life, disability, and long-term care insurance?

Business continuity, succession planning, and business transition are critical elements to the long-term success of any corporation. And in competitive employment environments, it is essential for businesses to recruit, retain, and reward talent. Our team includes experienced advisors specializing in providing comprehensive corporate planning services for businesses. Our goal is to assist corporations and executives put plans in place designed to maximize employee retention, minimize potential disruptions to business operations, transition to the next generation of leadership, and navigate the complexities associated with key business processes and transactions.

Business Planning Helps Answer These Questions:

• What additional benefits can my company offer that benefit both the business, leadership, and employees?
• Is our current retirement plan competitive? Or should it be reviewed?
• What retirement plan options are best for our business and employees and how do they differ?
• What is key person coverage and does it make sense for my business?
• Should a buy-sell agreement be put in place to ensure business continuation in the event of premature death, disability, or retirement?
• Can offering imporved benefits help my company find and keep top talent?