Our firm offers a variety of services that we tailor to your needs. We understand that you come to us with a unique set of concerns and needs, and we’re confident that we can give each individual the care and assistance they require.
By instilling a sense of trust in our firm’s process, as well as our skilled team, we deliver a standard of quality and excellence that’s difficult to match.
Integrated Financial Planning
- Comprehensive assessment of your goals, situation and risk tolerance
- An opinion on what we consider to be the strengths and weaknesses in your current plan
- Advice on allocating your investment assets for specific goals
- Investments we believe to be effective, low cost and tax efficient
- Ongoing investment management and progress reporting
- Scheduled reviews to keep pace with your situation
- Account aggregation tools to provide one-stop access to all your accounts
- Coordination with your other advisors
Retirement Services
- Integrated planning of all your retirement assets including employer plans, IRAs, Social Security and pensions
- Employer rollover accounts
- Traditional and Roth IRA accounts
- Required minimum distribution services through your account custodian
- Employer retirement plans
Investments
- Discretionary and non-discretionary investment management
- Portfolio design and implementation
- Investments we believe to be low cost and tax efficient
- Portfolio rebalancing
Cash Management
- Investment options for your cash and near cash reserves
- Automated funds transfer service through your account custodian
- Tools to improve awareness of your current cash-flow
- Prioritizing and funding your financial goals
- Determining an appropriate cash reserve for your circumstance
Education Planning
- Determining total cost of education goals
- Factoring in other educational benefits (grants, scholarships, GI Bill, etc…)
- Access to 529 College Savings Plan
- Education Savings Accounts
- Gifts and transfers to minors accounts
Survivor and Asset Protection
- Survivor benefit planning
- Role of pensions, social security and investments
- Life insurance requirements, long-term care and disability needs
Estate Plan Coordination
- We will collaborate with outside attorneys on your estate plan
- Coordinate account beneficiaries with your estate plan
- Gifting strategies while alive, legacy planning at death
Tax Plan Coordination
- Collaboration with your accountant
- Tax-sensitive investing
- Tax loss harvesting and carry-forward losses
