Our Services

We listen.  We ask.  We educate and inform.  We strategize and partner.  We seek to understand your financial circumstances, your goals, and your risk profile. We plan and advise.

Comprehensive Planning

All clients are different.  We provide comprehensive, fee-only solutions for all areas of your financial life, ranging from investment planning to asset protection.  We take a holistic and comprehensive approach because everything about your global financial life is important.  It’s a customized process to you because success is not measured by performance relative to other managers, rather we measure success by helping you meet your life goals.  Comprehensive financial planning combines personal investment management, financial advisory, and planning disciplines directly for the benefit of our clients.

Comprehensive Financial Planning is more than the active management of investments or creating a retirement plan or regular check-ups of a portfolio. We believe in planning for, and prudently addressing life events, whether you are buying a home, planning for a child’s education, preparing for eventual retirement, creating an estate plan, or preparing for Plan B.

Investment Management

We start with a series of conversations to determine with time and dollar specificity, and in priority, your personal goals, evaluate existing investment assets, determine your risk tolerance, develop a strategic asset allocation strategy, engineer and draft your investment policy statement.

This assessment serves as your blueprint reflecting your needs, risk profile, and how we will allocate your assets between various investment classes. From the IPS, we will develop an investment strategy for you and your family based on our careful review of available investment options, taxation, costs, risk and expected return.

We then implement your plan and coordinate with your CPAs, attorneys, and other advisors as appropriate.  We continuously monitor your progress rebalancing of your investment strategy and recommend changes as needed.

Retirement Planning

We make the most of your employer-sponsored retirement plans and IRAs. We determin how much you need to retire comfortably. We manage assets before and during retirement.

Tax Management

We help make sure you don’t pay a penny more than the law requires. We look for ways to reduce your current and future tax burden. We refer you to qualified tax specialists.

Estate Planning

We review your wills and trusts.  We help preserve your estate for your intended heirs.  We help with beneficiary designations. We help reduce exposure to estate taxes and probate costs.  We coordinate with your tax and legal advisors.

Risk Management

We review existing insurance policies. We recommend policy changes when appropriate.  We find the best policy for your situation.

Education Funding

We recommend investment and accumulation strategies to help you pay for your children’s education.