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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.

Contact us to learn more about how we can help you attain your financial goals.