The Way We Do Business

We believe the best approach to financial planning is the personal approach.  Smart planning begins with asking the appropriate questions and knowing where to find the answers. 

During our initial consultation, we will want to get acquainted, examine your current financial situation, and discuss your goals, objectives, and future financial needs. Based upon this information, we will customize specific recommendations designed to help you achieve the financial well-being you seek.

Our advice is often centered upon the following financial planning areas:

  • Retirement Planning:  Develop a plan that considers your assets, expenses and desired retirement income, specifies savings, and provides a cash flow analysis detailing sources of income during retirement.
  • Asset Allocation:  Review your current asset allocation mix and develop a customized portfolio strategy based upon an assessment of your goals, investment time horizon, and tolerance for risk.
  • Education Funding:  Evaluate your current financial situation, project future education costs for your children or grandchildren, and analyze savings requirements for a public, private, graduate, or professional school.
  • Employee Stock Options:  Evaluate various exercise strategies and calculate potential tax implications and net proceeds for each.
  • Estate Planning and Preservation:  Identify strategies to preserve, protect, and distribute wealth, during life and at death, in the most tax efficient manner.
  • Charitable Giving:  Discuss strategies and alternatives from both a tax efficiency and control standpoint.  Evaluate merits of direct gifts, including those of appreciated securities, and indirect gifts such as donor-advised funds, charitable trusts, and private foundations.
  • Business Succession Planning:  Identify goals, strategies and actions to safeguard the survival and growth of your business in the event of untimely death, disability or retirement.
  • Debt/Liability Management:  Understand relevant liquidity issues and recommend appropriate lending alternatives and strategies.
  • Insurance Protection:  Evaluate overall insurance program, including life, disability, long-term care, and liability to ensure coverage is adequate, appropriate, and cost effective.  Develop relevant wealth enhancement and protection strategies.

Following implementation, we will review and monitor your progress and make appropriate adjustments as your lifestyle and economic status change.  Throughout your lifetime, you’ll plan for many critical personal and professional milestones.  Helping you meet these challenges and educating you on making appropriate choices are what we do best.  As your financial partner, we’ll help you focus on your goals and strive to convert your dreams and aspirations into reality.