Services

Financial Planning

What matters to you the most? What has your attention? What are you trying to accomplish? We’ve noticed that even if there’s a bigger financial issue at play, sometimes we just need to identify the most pressing one before we can move on to the bigger picture. We help you understand your lifestyle today, and how that might translate into retirement given your current saving, spending and income. We also examine how you spend time, and how that will change in retirement. Each situation is unique, and we help you identify the lifestyle you want in your retirement and we help you craft a meaningful life post-employment that you can enjoy.

Tax and Estate Planning

While we will never prepare your tax return or write your will or trust for you, we do spend time understanding your current tax return and estate plan and how unexpected life changes could impact those plans. We will help you with tax planning by recommending strategies that we think could help reduce your tax liabilities this year or in the future. We will work with your CPA and estate planning attorney to make sure that everyone is on the same page. What we have found is that if we are not working together, the advice given by one of your professionals is undone by another.

Cash Flow Analysis

All good planning starts from awareness of how you are spending your money. While we don’t require you to set up a budget, or even stick to one, we want to be sure we understand our client’s income and spending – now and in the future. We use a customized method to help you ensure that your money is successfully aligned with your life and your priorities.

Investment Analysis, Strategy and Implementation

Investments don’t have to be complicated. We’re committed to helping you understand what you own and how building wealth and financial security works. As such, we developed a disciplined approach to investing, and purposely guide you through it so you can easily understand what’s happening.

Risk Management

There are many risks to achieving financial independence. Some examples include losing a job, getting sick, needing long term care, or even a premature death. There are many ways to mitigate risk, and each of us has a different risk tolerance, but no matter what you decide to do about the risks, we make sure you understand how they impact your personal financial situation. As a licensed and experienced insurance provider, should you decide that you want to manage risk, we can help you find the very best option by canvassing and comparing all the choices for you. We have no allegiance to any one company and can help you make sense of the many options.

Employer Benefit and Retirement Plan Reviews

We help with all aspects of your financial life, not just those we manage. That’s why we review your outside accounts and offer advice on employee or executive benefit packages and retirement accounts. We act as a sounding board during contract negotiations and feel privileged to be included in these important decisions.

Financial Organization and Security

We provide a secure client portal and an option to aggregate all your accounts to offer a streamlined view of your net worth and help you see where your money is going if you add the budgeting feature. We also provide you with an encrypted and secure digital file cabinet for all your important documents where you can identify the important people in your life to share selected documents now or at the time of your death. We also provide you with a secure portal to send things to us to keep your information safe.

Large Purchase Planning and Analysis

A sale or purchase of real estate or another large purchase can be one of the biggest decisions of our lives. Too often it’s driven by emotion rather than proper planning. We work with you to ensure purchases are viewed within the context of your goals, while also offering clarity and perspective during what can be a very stressful experience.