Proper financial planning is an ongoing process. Life’s circumstances, goals, and opportunities changeover time. We believe that an ongoing relationship is key in developingand maintaining sound planning and investment strategies to stay on track and achieve your goals.

In light of this life-stage approach and emanating from our deep expertise in retirement, tax, and investment planning, we provide a focused array of services to best fit your needs. You may get immediate benefit from our deep expertise with your complex situation. Or you may prefer to start simple and grow with us, knowing we have the greater capabilities you may need in your brighter future.

 INTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
INVESTMENT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Institutional-class fund implementation
Management of employer accounts [401(k), etc.]
Performance monitoring and reporting
Portfolio management and optimization
Portfolio rebalancing
Tax-loss harvesting
Tax-efficiency planning for investments
CASH FLOW AND DEBT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Cash flow reconciliation 
Debt management 
Mortgage management 
RISK MANAGEMENT AND INSURANCE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Disability insurance needs analysis 
Health insurance/Medicare planning  
Life insurance needs analysis 
Long-term-care needs analysis  
Ongoing policy management 
P&C policy review (every three years)   
TAX PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
AMT planning   
Annual tax projections   
Capital gains tax planning   
Estimated tax and withholding management 
Medicare income adjustment planning   
Roth conversion analysis and management   
Tax return preparation and review 
Tax minimization strategies  
Tax-wise charitable giving strategies   
RETIREMENT PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Ongoing management of distribution plan  
Pension analysis and maximization  
Retirement goal and expense modeling  
Retirement plan stress testing  
Retirement projections   
Social Security maximization  
Tax-efficient distribution strategies  
ESTATE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Beneficiary review (every three years)   
Collaboration with estate attorney and client   
Estate plan review (every three years)   
Execution of asset alignment instructions 
Referral to estate attorney  
Wealth transfer planning   
OTHER SERVICESINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Business owner planning   
College and education planning 
Concierge-type services and implementation   
Digitization and storage of critical documents 
Employee benefit analysis and optimization 
Investment real estate analysis   
Stock option strategies   
Student loan management   
 More InfoMore InfoMore InfoMore Info

INTEGRATED WEALTH MANAGEMENT:

Are you great at making money but tired of dealing with the complexities and lack of clarity around your finances? Have you already accumulated a respectable nestegg and are seeking a coordinated strategy to make the most of what you have? We focus on simplifying and streamlining all the pieces of your financial life by creating an integrated strategy that aligns your money to your financial goals overlaid with smart tax strategies.

Our Integrated Wealth management service is generally for those that have a minimum of one million dollars in investments or have increased complexity in their financial lives. Any planning areas may be addressed with greater emphasis on investments and tax planning.

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RETIREMENT PLANNING:

Are you in or nearing retirement and wondering whether you’re on track? Unsure how to take your pension, Social Security, or how to create income from your portfolio? Utilize our retirement planning expertise to put you on the right path and keep you there, maintaining your lifestyle throughout retirement and making sure your money lasts.

Our Retirement Planning service is generally for those within fifteen years of retirement to those in retirement with less than one million dollars in investable assets. Areas of focus tend to be on cash flow, retirement planning, and investments.

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WEALTH ACCUMULATORS:

Are you busy advancing your career and spending time with your family with little time to focus on your finances? Do you have competing objectives of payingdown debt or increasing your lifestyle? Are you trying to save for retirement, college, or private school? We can help you simplify and prioritize your finances todaywhile planning for an even brighter future.

Our Wealth Accumulator service is generally for younger individuals and families that are building wealth. Areas of focus tends to be more on cash flow, debt management, risk management, and investments.

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INVESTMENT MANAGEMENT ONLY:

Are you seeking a reasonable return with a comfortable level of risk but not sure how to best achieve this? Investing can be intimidating. We utilize science-based, time-tested strategies coupled with a disciplined process, helping you reach your investment goals. Investment Management Only clients generally have a minimum of fifty thousand dollars in investments.

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