Charles Schwab & Co.

TD Ameritrade

Client Planning Portal & Vault

Account Performance Reporting

By All Accounts

Financial guidance

What do you value? Spending time with family? Building a business legacy? Traveling throughout your retirement? Our advisors understand managing your assets and building wealth is not about money, it is about what the money funds. That is why we build a wealth management plan based on your unique financial solution, designed to grow and manage your wealth while you pursue your passions. We offer a full range of services:

• Asset management and investment planning
• Business consulting services
• Cash flow  analysis 
• Education planning  
• Family financial, trust and charitable giving administration
• Insurance and risk management
• Regular financial planning meetings
• Tax planning and preparation

Insurance planning

If an illness or injury prevented you from working, how would it impact your financial situation? If you need long-term care in retirement, how might you fund it? These questions are difficult to ask but necessary to answer. We help you plan for the unexpected and evaluate whether insurance should be part of that plan. Our team proactively revisits your insurance strategy to ensure you have the optimal policies in place, giving you confidence even in the face of uncertainty. Our range of coverage options includes:

• Annuity insurance
• Disability insurance
• Life insurance
• Traditional and linked-benefit long-term care insurance

Investment planning

From the constant clamoring of the financial media to advice from family and friends, identifying the best way to manage your investments can be a challenge. We combine qualitative and quantitative data with proven investing methods to create diversified portfolios that meet your individual risk tolerance, time horizon and financial goals. We help investors by:

• Diversifying investment portfolios
• Managing risks and returns
• Strategically allocating assets
• Minimizing tax burdens
• Reviewing and rebalancing portfolios
• Providing transparency through digital reporting tools

Tax planning

For owners of closely held companies, business is personal. The decisions you make in your business have a direct impact on your personal tax situation. We take the time to get to know you personally to understand what you are trying to achieve for your family and your business. With an intimate understanding of you goals, we will work with your tax accountant to suggest strategies and minimize your tax liability. Our advisors work with you and your accountant to create and execute a thorough and personalized tax plan that takes into account the following considerations:

• Advice on tax-efficient investing
• Business tax planning
• Estate tax planning  
• Income tax planning 
• Personal tax planning
• Tax preparation and compliance
• Tax strategies, including deferrals

Retirement planning 

Our team will work with you to analyze your current and future situation to determine how best to make your assets last throughout your retirement years. This includes determining your retirement plan withdrawal strategies and best use of social security claim strategies. 

Estate planning 

When working with you regarding estate planning, our team will  consult with your entire estate planning team to discuss wealth planning legacy planning, beneficiary designations and optimizing tax efficiency which would include transfer of wealth to future generations. 

Charitable giving and philanthropy 

For many, there is a desire to give back to their community, religious organization or other charities. Our team can help you plan by maximizing your gift through direct giving, foundations and trusts while maximizing your tax benefits to achieve your  goals.