Wealth Management

Our retirement planning process includes:

• Improving and tracking the success rate of your plan
• Turning your retirement savings into a dependable paycheck
• Developing a cohesive investment strategy to preserve and grow your wealth
• Ongoing tax planning to reduce taxes

We use an advanced financial planning software to build your plan, track its probability of success, and bring red flags and opportunities to your attention

We help turn your nest egg into a dependable income stream.

Our approach helps:

• Reduce Costs
• Reduce Taxes
• Maximize investment returns
• Optimize risk
• Preserve your wealth

We can help you evaluate Social Security, Pensions, Required Minimum Distributions, and more.

As a fiduciary financial planner that specializes in retirement income, we help you determine the best time to collect Social Security.

To help you determine when to claim, we run analysis on how your Social Security benefits combines with:

• Deferred Compensation Payouts
• Medicare Premiums
• Roth Conversions
• Pensions
• Required Minimum Distributions (RMDs)
• Dividends

We realize that there is more than just math involved with social security.  We help you determine what makes the most sense for your personal goals, spouse, and health concerns.

Our goal is to design a Social Security timing strategy that reduces your tax bill in retirement while still allowing you to live the retirement of your dreams.

Planning for your children’s education? Whether it’s college or trade school, the cost of education can greatly affect your financial plan. We’re here to assist you in integrating your educational needs with your overall household financial and retirement goals.

Whether your goal is outperformance or protecting your capital, we have in-house strategies designed to help manage your investments. We offer a range of solutions to fit most investors’ needs.

These solutions offer customized stock portfolios tailored to your unique financial and tax needs. You benefit from a professional team managing your investments, while our advanced tax-smart trading strategies effectively reduce your tax burden.

Wondering how to manage your employer retirement plan effectively? We can help design and implement investment strategies tailored to align with your investment lineup. With our expertise, you can feel confident that your retirement plan is being managed to suit your financial goals and needs.

Understanding the value of your stock-based compensation can boost your net worth, manage taxes, and secure your financial future. Managing this compensation requires strategic planning and informed choices to ensure you’re enhancing your net worth and establishing a solid foundation for long-term financial stability and growth.

For many of our clients, they prefer to have their guaranteed expenses covered by income sources that aren’t subject to market fluctuation.

We can help incorporate commission-free annuities that match the income needs of your wealth plan.

Our insurance planning helps you maximize your protection and make sure your family is not exposed.

We are a commission-free financial planning firm, so we get paid exactly $0 when we help you buy an insurance policy.

We perform a comprehensive insurance analysis to evaluate your current coverage and any gaps. We can also help you unwind insurance or annuities that no longer make sense.

We can help you evaluate

• Life Insurance
• Long Term Care Insurance
• Auto & Home Insurance
• Disability Insurance
• Umbrella Insurance
• Health Insurance

For many retirees,  taxes are the biggest expense in retirement.

We focus on strategies designed to  reduce your taxes both today and in retirement. We accomplish this through:

• Annual Tax Return Analysis (Sample)
• Annual Roth Conversions
• Coordinating Income Streams
• Asset Location
• Charitable Giving Strategies
• Deferred Compensation analysis
• Navigating Medicare IRMAA

This service involves creating a plan to manage and distribute your assets after your death, and includes drafting wills, setting up a trust, designating beneficiaries, and planning for taxes and legal fees. We work with you to ensure that your wishes are honored, and your loved ones are protected.

Charitable estate planning involves working philanthropic goals into your plan. By including strategies such as charitable trusts, donor-advised funds, and bequests in your will, you can support causes you care about and potentially benefit from tax advantages. We help create a plan that aligns with your charitable intentions and financial goals, ensuring your legacy has a lasting, positive impact.

Asset protection in estate planning involves safeguarding assets from creditors, lawsuits, and financial risks. Tools include irrevocable living trusts, family limited partnerships, and insurance policies. Proper planning and asset titling minimize liabilities and preserve wealth for future generations. Let us create a plan that manages, grows, and protects your wealth.

Acting as your family’s CFO, we can coordinate working with your CPAs and attorneys to cover all financial aspects, such as budgeting, investments, tax, and estate planning.

We help businesses select and set up the most suitable retirement plans. Our Wealth Advisors guide you through choosing the right plan, understanding potential tax benefits or liabilities, and integrating the plan with your business operations. We focus on maximizing tax deductions while helping your employees effectively invest for their futures.

These services focus on helping business owners make informed decisions about their retirement. We understand the complexities of running a business and tailor retirement plans to fit each company’s unique needs, ensuring both financial and tax planning goals are met effectively.

These plans are advantageous for employers looking to offer competitive retirement benefits while managing costs effectively. They can also offer significant tax benefits for both employers and employees. These plans are designed to maximize retirement savings in excess of a Traditional 401k or SEP IRA.

Have a corporate retirement plan but want to offload the fiduciary responsibilities? By utilizing our 3(38) Investment Management Services, our team will offload the fiduciary responsibilities for your plan. We will review, monitor, and manage your plan investment lineup, delivering top-tier advice to your executive team.

Our solutions offer customized stock portfolios tailored to the unique financial and tax needs of your business. You benefit from a professional team managing your investments, while our advanced tax-smart trading strategies effectively reduce your tax burden.

Advisors offer deferred compensation plans to help employees defer income for future use, usually retirement, providing tax benefits. We design, implement, and manage these plans to align with employer and employee goals, offering personalized guidance to maximize benefits.

This area focuses on creating customized compensation packages for key employees and executives. Often including deferred compensation plans, stock options, and other performance-based incentives, they strive to attract, retain, and reward top talent. Working closely with business owners to design and implement these plans, we ensure they align with both company goals and the personal financial objectives of the executives.