Our Services
There are many financial products in the market, and so choosing the ones that meet an individual client’s needs can be complicated. Informed decisions about the products in any investment portfolio are determined after an assessment of individual needs. After meeting to do this, you are better informed when the time comes to choose from a comprehensive suite of products and services and select those that address your unique situation.
Products and services include:
- Investment portfolio construction and management
- Investment Advisory Services
- Financial Planning
- 401(k) retirement plans and Individual Retirement Accounts
- 529 College savings plans
- Mutual funds and Exchange Traded Funds
- Simplified Employee Pension Plans
- Tax-Advantaged Investment Strategies
- Life insurance
- Long-term care insurance
- Annuities
With significant wealth comes great opportunity, as well as an increasing complexity of choice. While maintaining and growing your assets is critical, equally important is developing a strategy for leaving behind a legacy, and having the freedom to pursue what is most important to you.
We deliver exceptional financial guidance and personalized service to help you build and preserve your wealth, create strategies that address complex issues such as minimizing tax implications, so you can effectively control the destination and purpose of your wealth whether it be for passing on a lasting legacy to your loved ones or meaningful charities, and empower you to pursue your life’s aspirations.
Today’s market complexity demands special attention, with a holistic approach to wealth management. We provide the intellectual capital and resources needed to offer a truly dynamic approach to your objectives. In concert with our experienced team we can engage a network of trusted professionals – such as accounting, legal, real estate and insurance professionals to support all facets of your wealth management needs. We can also partner with existing experts whom you have come to know and trust.
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.
Proper retirement planning consists of two stages: the Accumulation/Contribution phase and the Income/Distribution phase.
With the variety of options and the complexities of different plans along with the uncertainties of longevity and the rising cost of living retirement planning can be overwhelming. Our expertise in retirement planning serves to help simplify the complex and put you on the proper path. Sound retirement planning consists of two stages: the Accumulation /Contribution phase and the Income/Distribution phase.
In the first stage (the accumulation or contribution phase), we offer asset allocation and tax solutions to help our clients pursue their retirement goals.
In the second stage (the distribution or income phase), we offer budgetary and income strategies to track and adapt retirement income solutions, factoring in the three main sources of retirement income: Social Security, individual or employer-sponsored qualified retirement plans and personal savings and investments so that we help our clients not only work towards making it to retirement, but through retirement as well.
Managing your finances is an important component to any financial plan. Along with the protection offered through insurance and the goal setting provided by investment choices, money management strategies can help you manage your savings on a daily basis.
From mortgage payments to tax savings strategies, we can help you manage your money as effectively as possible, given your personal situation.
For Individuals
- Saving
- Tax Planning
- Succession Planning
For Businesses
- Financial Planning for Business Owners
- Business Succession Planning
Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk. It is based on the premise that the different asset classes have varying cycles of performance, and that by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class.
All investments involve some sort of risk, whether it’s market risk, interest risk, inflation risk liquidity risk, tax risk. An individualized asset allocation strategy seeks to mitigate the risks of any one asset class though diversification and balance.
When done properly, an investor’s allocation of assets will reflect his desired goals, priorities, investment preferences and his tolerance for risk. Asset allocation is an individualized strategy, so there really is no perfect mix of assets. Each individual’s strategy is built on the careful consideration of the key elements of their financial profile including investment objectives, risk tolerance, time horizon and tax efficiency.
A sound asset allocation strategy includes periodic reviews. Through market gains and losses, a portfolio can become unbalanced and it may be important to make adjustments to your allocation. As people move through life’s stages their needs, preferences, priorities and risk tolerance change and so too must their asset allocation strategy.
Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification.
*Asset allocation does not ensure a profit or protect against a loss.
Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune. Many of the institutions of art, sciences and education are supported in large part by those who want to give something back in appreciation for their contributions to the community or the individuals themselves.
Presently, the tax code offers incentives for gifting of one’s assets or incomes. Tax deductions are given for current contributions and, for estate owners, charitable gifts can reduce the size of the estate to help minimize estate taxes.
Often times, an individual will designate a charitable beneficiary in their will to benefit the organization after the individual dies. By using charitable gifting techniques, a donor may be able to benefit the charity while living without having to sacrifice the income that an asset can generate. Understanding how properly structured charitable gifts can provide current benefits for both the donor and the charity could be important for the charitably inclined.