Services

We are a comprehensive financial planning firm that believes in a holistic approach to financial planning. By offering a wide range of services to our clients, we take into account the needs of your total financial picture. 

Retirement Planning

Retirement is the next big stage of your life, but it can be stressful. You’ll need to figure out how and when to draw income from your retirement funds, as well as create a spending plan that will grow and last your lifetime. We offer comprehensive retirement planning services to retirees and pre-retirees so you can be confident that you’re managing your wealth efficiently.

Investment Planning & Management

Your investments should be structured to help you reach your goals.  We offer investment planning and management that takes into account your overall financial situation, including cash flow needs and tax reduction strategies.  Once created and agreed upon, we implement your specific strategy across all your accounts, ensuring your accounts are being coordinated, reviewed and rebalanced on a regular basis.

Tax Planning

It’s not what you make, but what you keep that matters. Taxes continue to be a critical aspect of any planning and are incorporated into all the advice we offer. From investments to cash flow planning to retirement and estate planning, tax planning will be a core feature of the advice you receive when working with us. 

Cash Flow Planning

As your income sources change during retirement, you need a cash flow plan to make sure you’re meeting your financial needs without overspending. We help our clients manage their cash flow, ensuring they have the cash they need when they need it, and that they are using their cash efficiently. 

Estate, Trust, and Legacy Planning

Estate, trust, and legacy planning allows you to determine the legacy you’ll leave after you pass away. Whether you want to create multi-generational trusts that will last for hundreds of years and many generations, transfer inheritances to your loved ones, build in important family values, or make contributions to charities, we’ll work with you and other professionals in your life to build a plan that encompasses your wishes and mitigates legal burdens. We provide ongoing trust management for you and your children.

College Planning

Setting up future generations for success is a great way to pass on the wealth. If you’re planning to provide young family members with the gift of a college education, we’ll help you plan for that as well. With so many college savings options available, we help you choose the option that is best for your family.

Insurance Planning

Insurance planning protects you and your family from potential disasters, and is essential to ensuring financial security.You don’t want to wait for the worst to happen before purchasing insurance. We’ll help you understand how much insurance you need, potential risks you might face, how to assign beneficiaries.

Fees

We service our clients based on a declining fee model. 

  • 0.25% per quarter on portfolios of up to $3,000,000
  • 0.175% per quarter on portfolios over $3,000,000