Services

We believe serving our clients properly involves being there for the major and minor things in life. We consider your short, medium, and long-term goals and incorporate the steps needed to reach them in your financial plan. From buying your first house to saving for your children’s college years to planning your retirement, we cover you every step of the way.

Planning your investment strategy isn’t a one-time practice. It is an ongoing balancing act between your goals and finding the right investments to help you pursue them. We ensure that we keep your investments properly diversified, allocated across multiple asset classes, and tax-efficient.

Retirement planning is not as simple as those two words indicate. There are many layers to a comprehensive retirement plan. We help you assess your current resources and take your social security benefits. This strategy can be used to provide you with a guaranteed stream of income.

No one wants to think about the inevitable, but avoiding it can cause serious issues for your heirs. We work with your estate attorney to help ensure your assets are distributed according to your wishes and your legacy is preserved for the next generation. It is never too early or too late to develop a plan for your estate.

The purpose of tax planning is to help ensure that all your investments are positioned in a tax-efficient manner. From organizing the timing and structure of withdrawals to tax-harvesting strategies for non-qualified investments, we work with you and your CPA to reduce the chances that taxes will erode your wealth.

Risk comes in all shapes and sizes, and we all know that life can throw us a curveball from time to time. Managing the risk inherent to life is the best possible way to make unforeseen events less stressful. Providing for your family in the event of death, disability, or a major illness is imperative, as is managing long-term care costs without eroding your assets. Fortunately, our advisors can help you work through these risks by preparing and planning ahead.

Employees want more than a paycheck; they want a competitive benefits package. We can assist business owners in developing employer-sponsored retirement plans, risk management services, financial education programs, and more.

We assist our clients in implementing strategies to fund education costs for children and grandchildren, including using 529 Savings Plans and creative use of Roth IRAs as college funding vehicles. We explain to clients the impact various funding vehicles can have on need-based financial aid to increase the support your children can receive.