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Investment Planning

You work hard for what you have, our goal is to help you responsibly manage and accumulate wealth. Our comprehensive understanding of your situation combined with keen insights on the physiological impact of behavioral finance, allows us to develop a proper investment strategy. One that will help lead you to where you want to go while providing peace of mind along the way.

We live in a world of instant communication and constant information. Navigating through it all, understanding what is important to making decisions, and feeling confident can be difficult and stressful. The Planning Process identifies specific needs and educates clients on the best way to get there. Understanding the risk-reward tradeoff and tax efficient accumulation strategies reduces stress and creates confidence in a financial plan.

insurance Planning

Developing and implementing a financial plan is just the beginning. We understand that the best-laid plans cannot guarantee success. Is your family or business properly positioned in the event of a death or disability? What would happen should you need skilled nursing care during retirement?

These questions and concerns weigh heavily on people regardless of wealth. A comprehensive financial plan should address these questions. Our Planning Process is designed to educate clients and lower financial and emotional stress these challenges create, by quantifying the need and offering solutions to reduce their detrimental impact.

Estate Planning

One of the most profound effects of comprehensive financial planning is the feeling of control. Estate planning creates peace of mind by knowing that you remain in control even after you are no longer able to physically communicate your wishes and make decisions. This includes planning for how assets will be preserved, managed, and distributed after death. While also considering the financial impact when someone becomes incapacitated. Although it is natural to assume “that would never happen to me”, these challenges happen every day regardless of age, health, and financial standing.

Common concerns include making sure an appropriate guardian for dependents is chosen in accordance with your wishes. Beneficiaries for insurance and retirement plans are kept up to date. Formalizing and updating important documents such as wills, trusts, durable power of attorney, and health care proxy. Limiting estate taxes through trust planning, gifting to love ones, and qualified charitable organizations. Ensuring a smooth transition of assets in accordance with your wishes.

Business Planning

In the rush of day-to-day business activities, business owners may lose sight of what they had originally hoped to accomplish. Growth creates chaos and it’s important to keep your priorities on track so your business activities are consistent with your long-term personal goals and objectives. Drawing upon decades of experience working with business owners, our team can help you prepare for and plan for both business and personal financial success. Key areas of focus include:

Strengthening Personal Finances and Building Wealth

Many business owners become so engrossed in running their companies, they inadvertently put their personal finances on the back burner. This may occur if most of their liquid assets are tied up in the business. However, to achieve financial independence and build personal wealth, it’s important to make personal savings a priority. By working with our team to prepare regular financial reviews, and taking follow-up action as needed, you can help develop and strengthen your personal financial position outside of the business.

Protecting Your Business against Loss of Key Employees

Business success is highly dependent on the knowledge, leadership, judgment, and connections of key employees. The loss of a key person can result in serious consequences for the business. Our team can help identify strategies designed to protect your business from the departure or death of a key employee.

Retirement Plans

Many tax-deferred, qualified retirement savings vehicles such as Simplified Employee Pension Plans(SEPs) or 401(k) plans are available to business owners and their employees. The size of a company, as well as the ages and salaries of its employees, often determines which type of retirement plan is best in each situation. In addition, non-qualified plans allow business owners to provide selective benefits for themselves, as well as their key employees. We help clients understand and maximize these benefits, while also assisting with implementation and ongoing management, service, and support.

Developing an Exit Strategy

Often business owners are unaware of the consequences not having proper succession planning can create for the business and their families. What happens when you choose to leave the business due to retirement or are forced due to death or disability? Do you know the value of your business? Will your business be marketable when you decide to sell? Do you have family involved in the business? Have you identified partners, employees, or outsiders who would be interested in buying or running the business? What are the tax implications and issues that come with selling/transferring a business? Do you have a properly structured and funded Buy-Sell Agreement? Our team can help identify, quantify, and solve these questions.