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Financial Planning
The heart of our practice is based on unbiased financial planning guidance. In almost all instances, each new client must go through the initial planning process so that we can properly advise them in all areas of their financial life. The planning process is never-ending and is continually updated as laws, objectives, or risk tolerances change.
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Estate Planning
We assist our clients in developing comprehensive estate plans, often times in coordination with a local attorney. Our goal is to simplify and coordinate plans so that our clients can successfully pass assets and/or business interests to heirs including but not limited to spouses, children, grandchildren, and charities of choice. Our planning assistance has provided many families with objective advice that often helps creates a cost savings on legal work. We find this collaborative effort is a value-adding service that clients have a hard time finding elsewhere.
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Reducing Life Insurance Premiums
Due to the high cost of insurance premiums and the changing nature of the insurance industry, it is important to continually review insurance plans and available alternatives. With constantly evolving estate and tax laws, an up-to-date insurance plan is essential to a sound financial plan. Our team works endlessly to stay current with insurance plans, while reviewing each client’s current insurance policy for potential changes.
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Tax Reductions
Taxes are a considerable concern to nearly everyone. By analyzing the tax implications of all planning decisions, we are able to provide a comprehensive view of choices for our clients. Through staying abreast of current law and proactively planning around change, our clients stay assured they are always properly positioned.
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Income Planning
We meet with our clients to assure that they are withdrawing an appropriate amount from their accounts during retirement. It is our goal to continue growth in the accounts while still allowing our clients to live their desired retirement lifestyles.
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Asset Allocation
We examine a client’s goals, time horizon, and risk tolerance to create an asset allocation specific to their personal needs. It is most important to take only an amount of risk the client needs and/or is willing to undertake. Through constant monitoring and facilitating changes in this objective, our clients know they are positioned appropriately.
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IRA Rollovers
We regularly assist people who are seeking an alternative to their employer’s retirement plan but want to keep their assets tax-qualified. In most cases, we simplify the rollover process by helping with the paperwork and following through with the delivering firm to ensure an expedited process.
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Not Outliving Savings
Through the use of cutting-edge technology and Monte Carlo simulations, we give our clients a statistical probability of pursuing their goals. By making small changes, we display how each minor improvement can make a significant difference in working toward their long-term goals.
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Increasing CD Income
Many of our clients have CDs come due on a regular basis. Our services provide objective advice on alternatives if current rates are not attractive. This regular resource allows clients to know they are potentially gaining the most with their savings.
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Simplifying Finances
We strive to simplify the lives of our clients. Through relentless organization and proactive advice geared towards lowering stress in our clients, we are able to make the lives of our clients more enjoyable by allowing them to follow their own passions versus the minutia of financial record keeping.
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Fixed Income Investing
Often times overlooked or thought of as simple, sound fixed income investing is frequently the foundation of a client’s investment plan. By using multiple fixed income asset classes, we are able to mitigate risk and help effectively help generate income for our clients.
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Managed Money
Most of our clients work with us on a fee basis. We sit on the same side of the table with clients, specifying that we are rewarded for growth and our fees are reduce if an account reduces in value. We find this to be the most objective way to work with clients.
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