We are passionate about providing financial
services that take into account our clients’ goals and dreams while also managing both the emotional aspect of money and the reality of long term planning and decision making.
With our knowledge in financial services and years of life experiences, we guide our clients through opportunities and strategies in an attempt to attain the financial future they desire.
Cash Flow Forecasting
We consider the individual short and long term needs of our clients, taking into account all incoming cash flows from pensions, Social Security, and investment income and distributions to build a financial roadmap that can provide clarity and confidence.
Trust and Estate Planning
Connecting our clients with trusted professionals that can prepare needed estate documents, we work collaboratively and strive to ensure client accounts are properly titled, their beneficiaries are named according to their wishes, and their assets are being distributed as efficiently as possible.
Investment Consulting
Matching our clients’ goals, needs, and risk tolerance with balanced and diversified investments, we formulate investment strategies to help clients meet their needs and reach their financial goals.
Insurance Planning
We guide our clients to select suitable insurance policies that aim to financially protect them and their assets against unexpected losses and risks.
Retirement Planning
We view retirement planning with our clients as a partnership and help them navigate many factors and decisions that must be addressed before and during retirement. Ensuring our clients understand the resources that match their needs and wants, we thoughtfully inquire:
- When do you want to retire and how long do you expect to live in retirement?
- How much should you save and invest for retirement each year, and which type of account and investment should it be put in, such as a 401(k)s and IRAs?
- What are your retirement goals and priorities?
- How will you claim Social Security benefits?
- Where will you live in retirement? We factor in the cost of living, taxes, climate, and quality of life of different locations, and whether you want to stay in your current home, downsize, rent, or relocate.
Risk Management
Investment risk management is the process of identifying, analyzing, and accepting or mitigating the uncertainty in investment decisions. We measure the potential for losses in an investment and take appropriate actions to reduce risk according to each client’s risk tolerance.
Distribution Planning
Distribution planning is individualized and we strive to help our clients distribute their assets in the most efficient way possible, considering costs and taxes over their lifetime.
Tax Planning
Collaborating with our clients’ dedicated tax professional, we seek to save and distribute our client’s assets in the most efficient way – before, during, and after retirement.
Education Planning
When our clients wish to pay for, or help contribute to, their children’s or grandchildren’s educational costs, we work with their dedicated tax professional with the purpose of saving and distributing assets in the most tax efficient way possible.
Financial Reporting
We provide simple and understandable reports on a regular basis so clients have a clear picture of how their investments are performing.
Charitable Giving
For clients who would like to participate in charitable giving, we can help them make impactful gifts while striving to maximize tax benefits along the way.
We consider the individual short and long term needs of our clients, taking into account all incoming cash flows from pensions, Social Security, and investment income and distributions to build a financial roadmap that can provide clarity and confidence.
Connecting our clients with trusted professionals that can prepare needed estate documents, we work collaboratively and strive to ensure client accounts are properly titled, their beneficiaries are named according to their wishes, and their assets are being distributed as efficiently as possible.
Matching our clients’ goals, needs, and risk tolerance with balanced and diversified investments, we formulate investment strategies to help clients meet their needs and reach their financial goals.
We guide our clients to select suitable insurance policies that aim to financially protect them and their assets against unexpected losses and risks.
We view retirement planning with our clients as a partnership and help them navigate many factors and decisions that must be addressed before and during retirement. Ensuring our clients understand the resources that match their needs and wants, we thoughtfully inquire:
- When do you want to retire and how long do you expect to live in retirement?
- How much should you save and invest for retirement each year, and which type of account and investment should it be put in, such as a 401(k)s and IRAs?
- What are your retirement goals and priorities?
- How will you claim Social Security benefits?
- Where will you live in retirement? We factor in the cost of living, taxes, climate, and quality of life of different locations, and whether you want to stay in your current home, downsize, rent, or relocate.
Investment risk management is the process of identifying, analyzing, and accepting or mitigating the uncertainty in investment decisions. We measure the potential for losses in an investment and take appropriate actions to reduce risk according to each client’s risk tolerance.
Distribution planning is individualized and we strive to help our clients distribute their assets in the most efficient way possible, considering costs and taxes over their lifetime.
Collaborating with our clients’ dedicated tax professional, we seek to save and distribute our client’s assets in the most efficient way – before, during, and after retirement.
When our clients wish to pay for, or help contribute to, their children’s or grandchildren’s educational costs, we work with their dedicated tax professional with the purpose of saving and distributing assets in the most tax efficient way possible.
We provide simple and understandable reports on a regular basis so clients have a clear picture of how their investments are performing.
For clients who would like to participate in charitable giving, we can help them make impactful gifts while striving to maximize tax benefits along the way.