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Planning and Investing aligned with your goals and objectives

Financial Planning

Financial Planning is at the center of what we do, and for good reason. Sufficient and accurate information are critical in developing and providing beneficial and valuable recommendations. Planning involves many areas such as retirement planning, cash flow management, insurance planning, tax planning, and many others. A client's financial plan provides the road map to all other areas that we service.

We will spend the most time with you in this area, not only because it is the road map, but also because this is where our passion lies; building a comprehensive financial plan for our clients is at the core of our purpose and pursuits. 

Investment Management

Investment management is the fuel that makes the plan work. Without proper management, your portfolio may be too aggressive or too conservative to meet your goals and objectives. We will work with you to determine your risk tolerance and ensure the investment strategies implemented are aligned with your needs and objectives. 

Our investment philosophy is derived from over 65 years' experience. We build portfolios using individual equities, ETFs, mutual funds, and bond ladders. We are cost conscious and understand the effect that fees can have on performance over time, which is why our aim is to keep fees as reasonable as possible. 

Retirement Planning

Retirement planning is one target that is at the forefront for most working professionals. We will help you determine when and how you can retire so that you can enjoy the fruits of your labor how you see fit. 

Many elements of the financial planning process roll up into retirement planning, which is why it is one of the more complicated, but also most enriching conversations we have with clients. This often entails numbers, charts, and graphs, but is most importantly deciding how you plan to spend your time in retirement, what hobbies you want to take up, and where you want to live and travel. 

Tax Planning

Through proper tax planning strategies, we may be able to limit or reduce the amount of taxes you pay. 

We accomplish this through conversations with your CPA and/or attorney, using strategies such as Roth conversions, saving in qualified plans/HSAs/IRAs, bunching taxes and/or charitable gifts, and many other techniques. 

Small Business Planning

We can help navigate some of the challenges faced in running a business, such as exit or succession planning, retaining key employees, reducing your taxes, determining the most beneficial entity structure, or how to start a qualified retirement plan.

Small businesses can be a crucial piece in your financial plan, so understanding the performance and goals of the operations are all important factors to consider. 

Insurance Planning

Proper insurance planning can provide peace of mind in the face of uncertainty. Safeguarding for the unknown can help alleviate worry and prevent future financial strain. Life, disability, and long-term care are examples of insurance we can provide.

We will help evaluate your insurance needs, and where appropriate, recommend specific products to help mitigate some of these risks. ​

Estate Planning

A well written and executed estate plan can also provide peace of mind, knowing your loved ones will be adequately taken care of and protected if and when something happens to you. 

We will work with your estate planning attorney to evaluate and implement the necessary documents to protect you from a legal standpoint as well as make sure your estate is distributed according to your plans and wishes. 

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