Our Services

No matter what stage of life you are at, we help you achieve financial freedom. Our dedicated staff provides personalized attention and comprehensive financial planning services that meets your needs. We offer guidance in a wide-array of areas, including:

Investment planning

Portfolio review
Asset allocation
Time-horizon planning
Withdrawal strategies
Account aggregation
Monitoring of accounts outside of our management, such as 401(k), etc.
Investment policy statement
Stock concentration
Stock option planning (ISOs, NQs, ESOP)

Estate planning

Estate plan review
Minimizing estate taxes
Wills and trusts
Living will
Healthcare proxy
Durable power of attorney
Irrevocable life insurance trusts
Guardians for minor children
Review of charitable gifting

Retirement planning

Financial plan review
Retirement goal-setting and bucket list items
Social Security analysis
Cash flow analysis
IRA contributions and Roth conversions
Retirement plan review
Annuities and pensions
RMDs and withdrawal strategies

Insurance planning

Annual review of existing policies
Life insurance needs analysis
Long term care insurance analysis
Disability insurance analysis
Health insurance review
Homeowners or renters insurance review
Liability coverage
Health savings accounts
Medicare advice

Cash flow and budgeting

Goals, income sources, expenses and budgeting review
Debt management
Planned large expenses and one-time expenses
Emergency funding
Dollar cost average
Mortgage review
Lines of credit

Assistance to others

Gifting
College planning
Caring for elderly family members
529 college savings plans
Roth IRAs for children
UGMA/UTMA accounts
Establishing trusts

Tax planning

Tax-sensitive investing
Cost basis review
Realized gains review
Carry-forward losses
Tax-loss harvesting
Deductions and credits
Potential Roth conversions
Health savings and flexible spending accounts
Tax return review

As part of our personalized services, we also:

Coordinate with your other advisors such as your attorneys and accountants
Hold regular meetings and ensure that all planning is coordinated and implemented
Maintain copies of documents such as insurance policies, estate planning and legal documents, and tax returns
Help keep your financial plan on track.