Areas of Expertise
Financial Planning
Wealth Accumulation
Trust and Estate Planning
Tax Planning and Returns
Wealth Distribution
Insurance Planning
OUR AREAS OF EXPERTISE
Financial Planning
Financial planning involves identifying, clarifying, and aligning your future goals with the financial decisions you make and the habits you establish today. We take a comprehensive approach to examine all aspects of your financial life and assist in assembling them into a cohesive plan. The final outcome is a roadmap that is clear and actionable. This clarity instills confidence, ensuring that the steps you undertake now will facilitate the achievement of your desired future.
Wealth Accumulation
Professional wealth accumulation can significantly impact the achievement of your financial objectives. Through our advisory services, we manage the following:
-
Traditional and Roth 401(k), 403(b), 457, Thrift Savings Plan, and other retirement plan assets at your current and previous employers.
-
Individual and Joint Non-Qualified Accounts.
-
Rollover, Roth, SEP, SIMPLE, Inherited, or Beneficiary IRAs.
-
Revocable and Irrevocable Trusts.
-
College Education Plans.
And more.
Trust and Estate Planning
Estate planning involves managing the distribution of assets after one's death. The process starts with an inventory of assets and liabilities, followed by decisions on their future allocation. Some may leave an inheritance to their children, while others include charitable bequests. Determining the necessary estate planning tools, such as a trust or a will, follows after clarifying the desired outcomes. Once the objectives are clear, drafting the legal documents is straightforward.
Tax Planning and Tax Return Preparation
Taxes can be daunting. We simplify the process by focusing on tax planning first and preparing your tax return second. Tax planning happens during the current year to avoid surprises next spring or to reduce long-term taxes. Whatever your goal, we are here to assist you. We also prepare federal and state tax returns for our tax planning clients.
Wealth Distribution
Wealth distribution planning involves experience in various market cycles, accumulated over years of different market conditions. The ability to forecast cash needs and manage the current market climate is a specialized skill not every wealth accumulation advisor has. It is noted that many tragedies for climbers on Mt. Everest happen during the descent. Effective wealth distribution requires careful planning, patience, and a disciplined risk management process. Our team has managed distributed assets worth millions of dollars throughout our careers, while maintaining and growing the principal over the long term.
Insurance Planning
Risks exist in all facets of life. Managing risk is a core tenet of creating a sound financial plan. While other advisors typically only focus on your investment assets, we help you understand your insurance needs relative to your current and future wealth. First, we'll identify the risks most likely to be able to disrupt your goals. Next, we'll propose solutions you can implement with your insurance agent or with us to cover those risks. Just that simple. With our cohesive background in insurance, wealth management, estate and tax planning, you can be confident that your family, business or organization is well cared for no matter what life may bring.