We love what we do because of who we get to do it for.
And as your family and wealth grows, so do your needs. We aim to provide our value-based systems by starting where it matters most… listening. After all, since every person’s goals are unique, why should their financial plan be any different?
That’s why our team works as one to offer help and guidance by keeping your short terms goals in mind and taking your long-term goals to heart.
It all starts with creating your custom plan and a full array of services, including:
Financial Position
∙ Cash reserve levels
∙ Cash reserve strategies
∙ Debt management
∙ Cash flow management
∙ Net worth
∙ Discretionary income
∙ Expected large inflow/outflow
∙ Lines of credit
Taxes*
∙ Tax reduction
∙ Tax deferral
∙ Tax avoidance
∙ Future taxes due
∙ Withholding
∙ Tax diversification
∙ Qualified investments
∙ Non-qualified investments
∙ Effects of liquidation
∙ Filing status
∙ Business ownership
∙ Non-traditional ownership
Risk Management
∙ Disability options
∙ Long-term care – timing/prem/coverage
∙ Umbrella liability
∙ Life insurance
∙ Medical/Health
∙ Property and casualty*
∙ Deductibles vs cash reserves
∙ Policy status
∙ Policy loans
∙ Beneficiary designations
∙ Special needs situations
∙ Alternate/additional coverage strategies
Investments
∙ Asset allocation
∙ Education planning
∙ Lump-sum accumulation
∙ Options/restricted stock/non-qualified
deferred compensation
∙ Ongoing investment fees
∙ Risk tolerance
∙ Tax implications
∙ Cost basis
∙ Time frames
∙ Diversification strategies
∙ Dollar-cost averaging
∙ Market timing issues
Retirement
∙ Minimum distributions
∙ Pre-59 ½ strategies
∙ 401(k)s
∙ IRAs
∙ Medicare/Medigap
∙ Social security
∙ Roth conversions
∙ Income streams
∙ Income streams – transitions
∙ Health care
∙ Tax transitions
∙ Risk tolerance transition
∙ Timing issues
Estate Planning*
∙ Estate balancing
∙ Capital transfer
∙ Asset ownership
∙ Trusts
∙ Wills
∙ Trust funding
∙ IRD
∙ Succession planning
∙ Special needs dependents
∙ Minor children
∙ Generation skipping
∙ Short-term life expectancies
∙ Estate liquidity
*Any discussion of taxes is for general informational purposes only, does not purport to complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.
