Financial Planning and Wealth Advisory

Our investment discipline focuses on long-term objectives and non-discretionary active portfolio management, rather than short-lived investment fads. To help clients pursue their goals, we focus on three components of investing - deliberate asset allocation*, risk management, and proactive monitoring. Addressing risk is a key component of our investment process.

*Asset allocation and/or diversification does not ensure a profit or guarantee against a loss.

Financial planning is the process of identifying your financial goals and creating a roadmap for how to address them. The primary objective is to determine how to manage assets and how to plan for the future. To create a financial plan, we seek to help you establish your short and long-term goals, determine your assets and liabilities, and evaluate your current financial position.

Your grandparents and parents likely relied on pensions, private savings, and Social Security to build a stable income for retirement. Today, there is an increasing burden on individuals and families to ensure their assets last through their retirement. We work closely with you to create a personalized retirement strategy that incorporates your benefits package, takes advantage of tax-deferred and tax-free retirement accounts, and addresses any questions you may have regarding healthcare, insurance, and Social Security.

After you have successfully built your wealth throughout your career, you likely want to ensure you can leave a meaningful legacy to your heirs. An efficient estate plan not only incorporates tax reduction strategies, but also involves crafting a plan to ensure that your assets transfer to your desired beneficiaries on your terms. We work with you and your CPA/attorneys to create a detailed inventory of your assets as well as who will receive what and when.

Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. A major goal of tax planning is minimizing federal income tax liability. This can be achieved by reducing taxable income, deduction planning, investment tax planning, and year-end planning strategies. With a CPA on our team, and partnerships with accounting firms, we can help clients determine appropriate ways to minimize taxes.