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Products & Services

We help you create, implement and monitor your plan to help achieve your goals in the most efficient, simple way and allow you to really enjoy your life. This plan fits your current situation and is also flexible to change as your life changes. We also coordinate with all of your active advisors to ensure cohesive planning.

Comprehensive Financial Planning

  • Develop goals
  • Manage assets and liabilities
  • Manage cash flow
  • Identify and manage risks
  • Identify and manage the financial effect of health considerations
  • Provide for education needs
  • Achieve financial security
  • Preserve or increase wealth
  • Identify tax considerations
  • Prepare for retirement
  • Pursue philanthropic interests
  • Address estate and legacy matters

Financial statement preparation and analysis (including cash flow analysis/planning and budgeting)

  • Income and capital gains tax planning strategies
  • Stock options


Retirement Planning

  • Pension Options
  • Advice on 401k, 403b and other retirement accounts

Investment planning

  • Managed Investment Accounts
  • Advisory service to employees with a majority of their assets in 401k and 403b accounts
  • Evaluation of investment strategies not correlated to the stock market to complement and diversify your portfolio
  • Identify and discuss alternatives designed to help reduce income tax liabilities for your domestic and foreign assets (if applicable)
  • Guaranteed annuity strategies*

Planning for Major Life Transitions

  • Divorce
  • Death of a Spouse
  • Purchasing a Home
  • Caring for a Family Member with Special Needs
  • College Savings

Estate planning (Protection, Conservation & Distribution)

  • Review estate and tax plan to help maximize estate preservation, including in the event of premature death, disability, health care need or liability event
  • Evaluate alternative strategies to help reduce or eliminate estate taxes
  • Evaluate alternatives to help create liquidity in estates with illiquid assets such as family businesses and real estate
  • Review existing life insurance contracts. Focus on ownership and beneficiary designation of contracts. Determine whether contracts will avoid estate taxation.
  • Evaluate the cost/benefit relationship of existing contracts.
  • Evaluate options to maximize philanthropic impact, including charitable trusts and foundations

Insurance Planning & Risk Management

  • Review insurance coverage(s) including life, disability income, long term care and liability/umbrella
  • Review the impact of rising healthcare costs to your retirement nest egg
  • Advanced insurance strategies for high net worth clients

Business Continuation & Succession Planning

  • Business Evaluation
  • Funding of Buy-Sell Agreements
  • Employee Benefits
  • Executive Benefits, especially for owners of closely held businesses

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* Guarantees are based on the claims paying ability of the issuing company.

Financial plan recommendations can be implemented with the advisor of your choosing.  Implementation of specific products or services may result in commissions or fees outside of the financial plan fee.  Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.

Estate Planning services are provided in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA.  Consult them for specific advice on legal and tax matters.  Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice.  Clients should confer with their legal, tax and accounting advisors as appropriate.