Components

Retirement Planning
We create a personalized retirement analysis that helps you calculate how much to save or withdrawal to meet your retirement goals. Components we review in our analysis include Social Security benefits, pension plans, IRAs, and other investment assets. We also handle all paperwork for the IRS required minimum distributions (RMDs) from retirement accounts.

Social Security Benefits Planning
Upon request, we can help you determine when to begin receiving Social Security in order to maximize benefits.

Tax Planning
We use a tax-efficient strategy of positioning assets in accounts to minimize taxable income and maximize deductions and return on investment. We also work with your tax professionals to ensure effective long-term tax planning strategies.

Education Planning
We help you meet your college funding goals by designing age-specific portfolios in tax-efficient 529 college plans. We monitor and rebalance each account to ensure savings and investments are on target to meet educational funding goals.

Employee Benefits
We provide investment advice on employee benefits plans. We also offer asset allocation recommendations for 401(k) plans outside of our management.

Insurance Advice
We feel insurance is an important component of a sound financial plan and are licensed to provide insurance advice. Insurance can serve different types of purposes, such as protecting you or your loved ones against the costs of accidents, illness, disability, and death. We offer a full review of our clients' insurance policies and guidance on appropriate insurance needs, including coverage amounts and types of insurance.

Charitable Giving
We help you through the rewarding process of charitable giving. You receive advice on investment selection and timing to maximize giving and minimize taxes. We provide the administrative support necessary to oversee the entire gifting process.

Estate Planning
We work in tandem with your estate planning attorney to ensure proper gifting strategies and wealth transfers, and match the plan to your overall, long-term financial goals. We can also incorporate the financial needs of your children, grandchildren, and other family members into your wealth management plan.

Intergenerational Wealth
We offer investment advice for the whole family, managing assets for grandparents, children, and grandchildren. We are glad to provide investment advice for client family members who otherwise might not meet our client minimums.

Retirement Plan Services for Businesses
We set up and maintain 401(k) or other appropriate retirement plans that offer a large variety of investment options to meet the specific needs of your business.