What We Offer

Financial Planning – There are no two plans alike…every household is unique.  Your family dynamics, values, and life experiences all play a role in determining which options best suit your needs.

  • Goal-based planning is more than the analysis of assets, liabilities, and cash flow. It’s about identifying expectations and concerns, prioritizing goals, and creating a plan that provides a clear path to the achievement of these goals.
  • Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures. Your last line of defense is insurance.  Here are two common areas of risk management that we address with clients:
    • Life insurance analysis – Will someone in my life be adversely affected financially by my untimely death? If the answer is “Yes,” you should consider strategies to reduce or eliminate this risk. Life insurance is the most commonly used tool for protecting families from this type of loss.  Implementing the right type of life insurance with the correct amount of coverage for your individual situation is key to maintaining a well balanced financial plan.
    • Long-term care analysis – “By allocating nothing for long-term care, you allocate everything.” Long-term care (LTC) refers to the help associated with chronic illness, disabilities, and other conditions needed daily for an extended period. We can simulate various LTC scenarios, including current regional LTC pricing, to provide a context for a potential expense not covered by health plans or Medicare.  You can then make an informed decision on how best to address these potential expenses.
  • Wealth transfer planning involves the smooth transition and distribution of wealth according to your wishes. With proper estate planning, you decide to whom, how, and when your assets will be distributed, as well as who will manage your estate or business. Special issues you may deal with are providing financial security for others, planning for children of a previous marriage, equalizing inheritances fairly, and retiring from your business. Wealth transfer planning also involves the management of assets during disability or incapacity. 
  • Advisor coordination – It is important that all your professional advisors (CPA, lawyer, insurance agent, etc.) and family members are on the same page and synchronized in their problem-solving approach.  Your financial advisor should work as the "quarterback" to coordinate with your other professionals when needed to successfully implement your financial plan.

Investment Implementation – Growing and preserving wealth is a vital part of every successful financial plan.  Your investments should be appropriately allocated and never be undermined by unnecessary risk.  

  • Portfolio construction and management
  • Semi-annual portfolio rebalance
  • Ongoing investment due diligence

Client Communication – Regular communication and review are essential to the success of any financial plan.

  • Semiannual review meetings
  • Additional meetings and calls as needed
  • Monthly statements
  • Quarterly account summaries
  • 24/7 access
    • Client account portal
      • Outside account aggregation tool
    • Financial planning client portal
      • Interactive tools