Family Protection

  • Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family

  • Financial Emergencies

  • Pay medical bills in the event of Illness

  • Income replacement lost due to disability

  • Maintain a standard of living after the death of a spouse or other loved one

Investment Portfolio Management

  • Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market conditions

  • An Investment Portfolio Stress test to determine how your portfolio handles market downturns

  • Ongoing implementation of an active allocation strategy for proper market exposure and trends.

  • Aggregation of all your accounts to simplify and reduce paperwork

  • Plan best tax strategy (401k, IRA, Roth, NQ, etc.) to accumulate money in retirement plans

Education Planning

  • Establish and project education planning goals for family members

  • Determine the best type of education plan for personal circumstances

  • Identify current and future costs of education

Tax Reduction Planning

  • Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities 

  • Evaluating business structure to optimize the benefits of the Internal Revenue code

  • Deferring income and/or accelerating expenses at year-end

  • Strategies to realize losses or gains through a wide range of allowable actions

Retirement Lifestyle & Income Planning

  • Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs and help maintain a comfortable standard of living

  • Develop strategy to prevent you from outliving your retirement income

  • Determine the best methods and timing for withdrawing retirement income

Charitable Giving

  • Help identifying charitable giving opportunities that fit within your value structure and that help minimize tax liability

  • Develop a charitable giving plan to be incorporated into cash flow and expense budgets

Family Legacy & Estate Planning

  • Involves identifying beneficiaries and what they are to receive both during the client’s life and upon his or her death.

  • Provide knowledge about available estate planning techniques and tools

  • Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate

  • Help determining how property will be transferred at death by means of a will, interstate, contract, trust, and/or operation of law