Our wealth planning professionals are dedicated to creating financial plans that will guide you on a path to financial success. We can provide plans for specific life goals – saving for college, retirement, or your dream vacation – or we can create a comprehensive financial plan that encompasses your business, your family, and your legacy.
We conduct an assessment of your goals and objectives, including in-depth risk tolerance analysis, ensuring that your goals are aligned with your investment plan. An integral part of our investment consulting services is advice on asset location, portfolio construction and rebalancing, and comprehensive client reporting. We can also advise you on private investments and college funding vehicles. For select clients, we will also develop a formal investment policy statement.
Financial Decision Making
We assist you with important financial decisions such as home purchase and mortgage selection, prenuptial agreements and marital dissolution, debt restructuring, advice on corporate benefits programs, new business or other substantial asset acquisitions, negotiated investments, and charitable giving guidance.
We provide advice and guidance on estate tax strategies, transaction analysis, review of tax returns, and analysis of how tax law changes can affect your investments. Our professionals will work closely with your personal advisors or may recommend outside professionals when necessary to provide specific guidance in developing sophisticated tax planning strategies.
Trust & Estate Planning
We review your wills and trusts, including revocable trusts, life insurance trusts, and intervivos trusts, along with your gifting strategies for efficient transfer of wealth to heirs or charitable causes. We can also work closely with your personal advisors or work with you to identify outside professionals, when necessary, to provide specific guidance in developing trust planning strategies.
We provide a review of your insurance policies, including life, disability, property & casualty, general liability, and long term care insurance.
Business Owner Solutions
For succession planning, we provide oversight and structuring advice to execute the transfer of a privately held business in order to maximize value whether you are selling outright, retaining a portion, or transferring to family members or key employees. We also provide advice on cash flow strategies and employee stock option planning.
We work with you to develop and achieve a savings target, provide guidance on pension elections, retirement plan asset allocations, IRA withdrawal strategies, and advise you on cash flow and liability management as well as debt restructuring.
ARE YOU INVESTING TOWARD YOUR GOALS?
Investors tend to buy high and sell low. They tend to become greedy when markets are approaching a high, and they become fearful when markets are at, or near, low points.
Studies show that the more frequently investors check their portfolio performance, the more they trade, and the worse their performance becomes. In fact, investors in liquid investments (such as stocks) tend to sell quicker than investors in illiquid investments (such as real estate) because the pricing is readily available...