Financial Planning | Investment Advice | Retirement Planning | Legacy Planning
Financial Planning
We work together to build your customized financial plan to help you identify and achieve your most important life goals.
Customized Planning
Our process focuses on attaining a deep understanding of your unique financial situation and objectives to develop the best path to achieve your financial goals. This understanding allows us to:
- Create a customized plan to improve your financial wellbeing
- Help you minimize tax liabilities now and in the future
- Outline the steps necessary for a safe retirement
- Develop tax-efficient, impactful philanthropic strategies
- Determine how to minimize risk and identify proper insurance coverage
- Review existing debt structures to determine if better repayment options can be utilized
Advice that Serves You
The guidance that results from our planning process is based solely on helping you meet your goals. Are you focused on retiring comfortably, selling or exiting a business, or leaving a lasting legacy? We always serve as your advocate guiding you to better financial decisions and outcomes. We never receive a commission or any form of compensation for selling you an investment or insurance product.
Seeing the Big Picture
We recognize that no client's financial life is one-dimensional. Using our deep expertise in investing, tax management, risk mitigation and other areas, we coordinate all the elements of your financial life in order to help you reach your biggest goals and achieve financial peace of mind.
Investment Advice
Successful investment decisions begin with knowledge, planning, and discipline. These factors are the cornerstone necessary to have the greatest opportunity to achieve your desired financial outcomes and improve your overall financial wellbeing.
Our investment advice is rooted in evidence-based methodologies and sound research. We prioritize enhancing the quality of investment decisions through the combination of empirical data and your personal goals, values, and preferences. Simply put, we use our expertise and experience to manage your assets as if they were our own.
This means you will receive customized portfolio guidance that addresses:
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The appropriate level of risk for your portfolio
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Proper alignment between your investment allocation and financial goals
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All types of investment accounts (brokerage, IRA, 401(k), 403(b), ESPP, and more)
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Target asset class exposure and restraints
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Access to low-cost investments and custodians
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Financial market efficiency and expected returns
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Tax-efficient investments and asset location
Expertise Matters
You have direct access to our team of experts who conduct ongoing research to determine our view of the financial markets’ intrinsic value relative to current market prices. This approach ensures that your financial planner, who knows fully the intricacies of your individual situation, is directly involved in the creation and implementation of your portfolio.
Retirement Planning
Our mission is to be your financial guide to everything you need to live a happy and fulfilled retirement. We specialize in helping you develop a clear retirement strategy that’s driven by what you value most.
Our planning process is tailored to your specific needs and answers the question: “what’s necessary to achieve a safe retirement?” This answer includes detailed recommendations on what you need to do today, what you should expect in the future, and what’s necessary to remain on track during your retirement.
Retirement planning helps you:
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Understand and quantify your goals, needs, and desired timeline
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Analyze your current and future savings opportunities
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Define when and how retirement is possible
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Identify and mitigate your current situational risks
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Maximize retirement benefits such as pensions and Social Security
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Implement an investment allocation that works towards your objectives
Let’s Make Your Retirement Plan “Personal”
Research shows that the inclusion of your unique situation factors and personal preference in retirement planning results in a greater sense of ownership and conviction. We encourage all clients to “take retirement planning personally” as this leads to better financial decision-making and ultimately better outcomes for you. Our mission is to be your financial guide to everything you need to live a happy and fulfilled retirement.
Legacy Planning
Part of living confidently in the present is knowing that your wishes will be carried out in the future. We help to create estate plans that will protect and efficiently transfer your wealth while conveying your wishes for your loved ones and your own care.
Proper estate planning allows you to transfer your wealth according to your wishes while minimizing unnecessary taxes and expenses. Our goal is to ensure you have taken prudent steps to reduce your tax liabilities and to help to create the most effective means to finance any future tax liabilities.
Philanthropic Planning
Gifting
We work with all of your professionals to help you with...
- Wills
- Trusts and Trust accounts
- Power of attorney
- Account beneficiaries
- Beneficiary accounts
- Gifting assets
- Business exit and succession strategies
- Philanthropic mission and vision