Comprehensive Financial Planning

We know you have questions.
We’re here to help you find the answers.

  • What is my willingness to take risk? My ability to take risk? Are these different?

  • How does my risk tolerance impact my investment plan? How does it impact my financial plan?
  • When can I afford to retire?
  • Will I be able to afford my lifestyle in retirement?
  • How can I minimize my taxes?
  • Do I need a succession plan for my business?
  • Am I being efficient in handling my finances?
  • Can I be doing it better?
  • What am I missing?

Our Goal: Help You Meet Yours, At Every Step in Your Financial Journey

Strategic planning — starting here and now — can help you meet the goals you have set for tomorrow, and help you make the most of everything you’re working so hard for today. 

What are your needs? What is your investing experience? What are your goals? In what phase of life (and your financial journey) are you?

The Accumulation Phase

This is your wealth-building (accumulation) and working phase, and it’s a key time for us to develop strategies you can use to navigate the following benefits, and more, at your company:

  • Stock participation plan
  • RSU planning

  • 401(k) strategies

  • Deferred compensation plans

  • Bonuses

  • HSA

  • Pension analysis

  • Risk Management (Life, Disability, Long Term Care, etc.)

  • Family Risk Planning through Estate Guidance

The Transitional Phase

You’re not retired yet, but retirement will be here before you know it. During this phase, we can advise you as you seek to make some important decisions that will have a significant impact on your financial future.

The Decumulation/Legacy Phase

After a successful and fulfilling transition from business, it’s time to think about decumulating your portfolio and determine plans for leaving assets to children or to charity. We can help you with the following:

  • Withdrawal strategies
  • IRA conversions

  • Social Security analysis

  • Pre-65 medical insurance and Medicare planning

  • Longevity risk planning

  • NUA (net unrealized appreciation) strategies

  • Charitable and legacy planning

  • Estate transfer planning

Our holistic approach to the financial planning process is how we ensure we get all your questions answered and keep the focus on you at every phase in your financial journey.

What Is a Growth Stock? Plus When Do They Make Good Investing Sense

High risk, high reward. These are two defining characteristics of growth stocks, but how do you know if it’s right for you? Here we break down the basics of this investment approach.


Man in suit displaying graphs for two people

Retirement Mistakes to Avoid

Everyone makes mistakes, and when it comes to our finances, it’s easy to mess up if we don’t know what to look for. Here are six retirement planning mistakes you should be aware of.


Is $1 Million Enough for Retirement?

The short answer: probably not. How much you’ll need depends on a lot of factors, and getting to that number starts with one of the most critical financial documents: Your financial plan. A million dollars is not what it used to be. The days of large pension benefits are quickly disappearing and Americans are shouldering a much larger portion of their retirement than they have in the past.


Investment Terms Your Wealth Manager Want You to Know

Your wealth manager is there to help you plan and make the most of your financial future. But having certain terms in your vocabulary can boost your own confidence and savvy, and make your meetings more productive.


Why and When to Choose Fixed Income Investments

When you were early in your career and retirement was decades away, “wealth management” may not have been something you thought much about. At that time, you may have been more focused on accelerating your career path and making sure you were making the max contribution to your 401k, along with building a comfortable nest egg.

Fixed-income investments are favored by many investors and retirees because they provide a regular income stream. You invest in a class of securities and assets that pay dividends or fixed interest in the form of coupon payments.

Depending on the investment, you may receive coupon payments monthly, quarterly, semi-annually or once a year. When many of these investments mature, you get the principal back.


Luck, Retirement & Risk: Understanding Sequence of Return Risk

For all your careful, methodical retirement planning, how long your money will actually last during your later years has much to do with luck and timing. Retire in a bull market, and your investment portfolio may grow enough that you can sustain a later downturn. On the other hand, retire during a bear market, and your investment accounts may not last as long as you had hoped.


When Is the Right Time to Hire a Wealth Advisor? 

When you were early in your career and retirement was decades away, “wealth management” may not have been something you thought much about. At that time, you may have been more focused on accelerating your career path and making sure you were making the max contribution to your 401k, along with building a comfortable nest egg.

But as you get closer to retirement — within a decade or so — managing your finances and your assets increases in complexity. 

That’s where a wealth manager comes in. 


Five Things Wealth Management Can Do For You

Do you want expert help pointing all your finances in the right direction, beyond your investment accounts? Then you should consider working with a wealth manager.

Wealth management and investment advising are not one and the same. Many high net worth individuals get to a point where they need a trusted outside resource to examine the full scope of their financial life, someone who will provide a level of attention, proficiency and guidance that they haven’t needed previously.


Traditional, SEP, and Roth IRA: Benefits & Drawbacks of Each

Roth, SEP, or traditional? When it comes to IRAs (individual retirement accounts), do you have a tough time keeping the differences straight? Don’t worry: You’re not the only one.

The three types of IRAs serve different purposes, and each come with their own set of benefits and potential drawbacks. While all offer the ability of helping you save for retirement, there are fundamental characteristics of each that impact your retirement planning. What’s more, your eligibility to use certain IRAs will be based on your income level and access to employer-sponsored retirement plans.


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