Comprehensive Financial Planning & Investment Management
For Hardworking Individuals & Households
We believe that good financial planning is less about defining outcomes and more about working to create more and better options for tomorrow that allow you to live with intention.
Our process begins with listening. We ask questions and then we listen some more. Through this exploration we’ll uncover the most prominent matters of concern, help you clarify financial direction and focus, and then walk with you through implementation and the inevitable twists and turns of life. We’re open-minded and honest about what works, what doesn’t, where to be careful and where to relax.
No Matter Where You Are in Your Journey
We’ll Be There To Guide You
While there’s a broad range of issues that arise during our advice relationships with clients, some of the areas we find most common are:
Moments of Transition
Large life changes often require significant financial decisions. Whether due to a career change, a decision to retire, a family loss or other significant event, we are honored to be there to help navigate challenges.
Tax Optimization
All of our financial advice, from how retirement income is structured to how we structure your portfolio, is given in the context of how it affects your taxes over your lifetime.
Charitable Planning
For those charitably motivated, we will explore ways to maximize the impact of your giving and its tax benefit.
Retirement Income Planning
Transitioning from your earning and saving years into retirement can be daunting. We help craft and coordinate clear and thoughtful retirement income plans for our clients.
Benefits Optimization
For those still working, we provide advice on how to maximize employer benefits available to you.
Social Security & Medicare Planning
These programs are often a significant piece of a successful retirement and we want to be sure our clients make the most of them.
Risk Protection & Insurance Needs
Protecting against major risks is a key piece of a successful financial life. We analyze needs and recommend appropriate coverages to keep clients and their families secure.
Estate & Legacy Planning
Whether simple or complex, everyone should have an orderly estate plan. We discuss client’s circumstances and potential solutions and often serve as collaborators to client’s attorneys.
Intelligent Investing
We start with you and your needs – both current and future. Our belief is that a well-built investment portfolio must always be designed in the context of a client’s broader financial plan.