Financial Planning

We combine thorough financial planning with customized investing to help you identify and achieve your most important life goals.

Customized Planning

Our detailed planning process allows us to completely understand each client's personal and financial situation, objectives, comfort level with risk and time horizon for achieving goals. This understanding allows us to:

  • Create customized investment portfolios
  • Help minimize tax liabilities inside and outside of client portfolios
  • Advise clients on estate planning with the assistance of our expert partners
  • Advise on tax-efficient, impactful philanthropic strategies.
  • Analyze existing risk mitigation and insurance strategies.
  • Review existing debt and liability structures to determine if better options can be utilized.

Advice that Serves You

The guidance that results from our planning process is based on the sole criteria of helping you meet your goals. Are you focused on retiring comfortably, selling or exiting a business or leaving a lasting legacy? We always recommend the most appropriate , most cost-efficient products and solutions—and never those that don't help you reach your objectives.

Seeing the Big Picture

We recognize that no client's financial life is one-dimensional. Using our deep expertise in investing, tax management, risk mitigation and other areas, we coordinate all the elements of your financial life in order to help you reach your bottom-line goals and achieve peace of mind.

Investment Management

In line with our business philosophy, we work with you to design and manage investment portfolios specific to your goals & needs. We accomplish this through the following approach:

Develop an understanding of your needs: Through various tools and meetings with you, we gain an understanding of your specific investment goals and level of comfort with the financial markets. The objective is to identify the level of investment performance necessary to attain your financial goals.

Understand the current economic environment: We monitor various economic data to identify the current conditions and direction of the US and world economy. Since companies perform differently under various economic conditions, the current condition of the US and world economy becomes a basis for investment decisions.

Analyze the markets to identify specific opportunities: Through various tools as well as fundamental and technical analysis, we identify potential investment opportunities, such as mutual funds, stocks, exchange traded funds, and other investment vehicles. In combination with your goals, risk tolerance, and the US/world economic conditions, we identify the appropriate investments to meet your needs.

Maintain a good understanding of the related costs: Inherent in our investment analysis is the cost associated with the investment, both in transaction costs as well as taxes. We work to identify those investments that are fairly priced, which help your investments grow faster and allow flexibility in your investment plan.

Communicate with our clients regularly: We communicate any investment recommendations to you prior to implementing. In addition, we provide quarterly investment reports to help you gauge our performance. Finally, we have periodic meetings with you to discuss performance and any changes necessary to the investment plan.

Retirement Planning

Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years. An array of investment options, combined with fluctuating interest and inflation rates make it difficult to determine where you should invest. The complex tax and legislative environment surrounding retirement planning only compounds the confusion. The timing and amount of withdrawals are critical in order to avoid additional tax.

In today's world, retirement has many definitions to many people. We also know that the type of retirement you wanted yesterday may change tomorrow. So, we work with you to determine what type of retirement you want, estimate your retirement needs, develop savings/investment goals and an investment plan.

Tax Planning

As tax professionals, we understand that taxes are likely one of your greatest expenses. We can provide you with a variety of individual tax planning strategies throughout the various stages of life. Beginning in the early stages of wealth accumulation, we are required to make smart, tax-efficient decisions.

Whether it’s investing in an employer provided retirement plan, individual brokerage account, various insurance products, taxation of Social Security as well as the effect of income on your Medicare premium costs. All of it is important and our firm has the expertise to provide tax strategies to minimize the complex nature of the everchanging tax rules.

Let's begin.

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Securities offered through Charles Schwab & Co., Inc,. Member FINRA/SIPC.
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