Holistic Planning

Financial Planning

Does your current lifestyle support your future expectations?

What matters most to you? A review of your current financial outlook will give you a better understanding of whether you are making the best decisions when it comes to debt and help determine if you are on the right track toward your goals.

Risk Management

If something were to happen to you, how would you pay your bills? Would your loved ones be able to stay in your home?

Unforeseen circumstances are just that, unforeseen. With an analysis of your current risk, we find insurance solutions to protect your income and assets, no matter where you are in life. We work to minimize the impact of life’s twists and turns.

Education Planning

Do you have a plan to fund your child’s education? Do you anticipate they will attend an in or out-of-state school, public or private?

Saving for college is an important part of your custom financial plan. Selecting the right plan for your child or grandchild’s education fund starts with knowing all of your options. We review tax-efficient strategies including Education Savings Accounts (ESA) or Education IRA, 529 plans, and Uniform Transfer/Gifts to Minors Act (UTMA or UGMA) and help you select the best option for your needs.

Tax Strategies

Do you know how your different types of accounts impact your tax liability? When was the last time you took a fresh look at itemizing your deductions? 

It’s important to review your financial plan as tax laws change and your finances evolve. This can greatly benefit your future financial position. Your advisor will help find ways to reduce your taxable income while saving for retirement, review the tax implications of your accounts, and review your itemized deductions.

Wealth Accumulation

Are your returns consistent with the risk you’ve assumed? Will you achieve your financial goals?

Risk and reward, it’s a tricky balance. We assess your comfort level with risk and construct a respective investment strategy. The goal is to achieve your financial objectives through consistent returns, with regular reviews to ensure your plan is up to date with changes in the market and in your life.

Retirement Planning

Do you know when you’ll retire, and what you want your life to look like? Once you’ve accumulated some savings, do you have a plan to make your money work for you?

It’s never too early to start saving for retirement, and conversely, it’s never too late. We work with you to establish a plan that supports your vision for retirement. Whether you are in the accumulation or distribution phase.

Estate Planning

Who will manage your affairs if you are no longer able to? What will happen to your money and assets after you are gone?

With proper planning, you can pass on a legacy. We talk about which people and causes you want to support in your absence, and work to mitigate the tax implications associated with wealth transfer. We help you anticipate future needs and take into consideration any special circumstances.