estate planning

Often, one spouse takes a lead role when making financial decisions.  But what happens when that spouse is no longer there to make those decisions? Many of our clients find tremendous comfort knowing that their financial plan will be carried out if they are not around to do so themselves.  We will work with you and your family to ensure the continuity of your financial plan, as well as help reduce or eliminate Estate / Gift tax. 

Financial serv​ices

Insurance

It is important to make plans that ensure your family is protected against major losses.  We work with independent insurance brokers specializing in:


  • Term life insurance.
  • Whole life insurance.
  • Disability insurance.
  • Income protection. 
  • Long-term care insurance

Education Planning

The cost of college has far exceeded the rate of inflation, and in many cases has outpaced increases in salaries. We will help you set realistic goals, and determine which college savings vehicle is right for you and your family.

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  • College portfolio planning.
  • 529 college savings plans.
  • Financial aid planning.

Retirement planning

Do I have enough to retire? How do I create a paycheck in retirement? Which investments should I sell? When should I start to collect Social Security?  How do I control my taxes in retirement?


Like many of our clients, you've probably asked yourself some, if not all of these questions.  It's OK if you don't have all of the answers!  Financial planning is a complex interconnected web of laws, risks, and variables foreign to most people and difficult to navigate without the help of a financial professional.


We take a holistic approach to retirement planning and income planning.  Depending on your needs, we can help with all of the following:   


  • Tax-sensitive portfolio construction.
  • Portfolio management.
  • Retirement income / tax planning.
  • Roth conversion planning.
  • Required minimum distribution (RMD) planning.
  • Risk management.
  • Social Security planning.
  • Contribution planning.

Small Business

Double FICA, 401k administration costs, & complicated employee match regulations make it difficult for small business owners to keep enough of what they earn.  We have an in-depth understanding of the different investment plans available to small business owners to help reduce or avoid some of these costly pitfalls.

 

  • SEP IRAs
  • SIMPLE IRAs
  • Traditional IRAs
  • Roth IRAs
  • Small Business 401ks