Creating a plan for now and later

We all have different needs at different stages in our lives, that’s why we always start with understanding where you are now and where you want to be. As we work with you to develop a custom, highly personalized financial plan for yourself and your family, we’ll help you determine where to start and what to focus on now and plan for the future to positively impact your financial well-being.

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

Our mission is to serve as your family’s financial advisors for life, handling all matters related to managing and preserving your wealth, and building your legacy – so you are free to focus on enjoying your life and the people important to it.

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Whether you’re just starting to think about saving or are looking for guidance on prioritizing the money matters of your life, we draw on more than 40 years of collective experience to clarify your goals and help get you there.

If you are still many years from retirement, chances are that planning for it is relatively low on your list of priorities. But as time passes, planning for retirement can quickly become your most important goal, and the foundation that you lay today will pay off in the future. Time is your most valuable advocate when you start your retirement planning early.

With life in full swing and a career that keeps you busy, you need a knowledgeable partner to put financial planning at the top of your list and uncover the priorities, whether retirement or college planning, to help you stay the course for seeking a successful tomorrow.

We can help you remain focused on your long-term plans, make sense of financial market developments and determine how to respond to those changes. Planning and focus are vital to realizing your retirement objectives.

With success comes unique wealth challenges and risks to be prudently managed, including mitigating the impact of taxes; that’s why our dedicated team asks the right questions and employs key strategies to help you preserve and grow your wealth.

Preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to help make your money last your lifetime. In addition, we can help you with wealth management needs such as income projections, distribution planning, estate and legacy planning, and insurance needs such as life insurance and long-term care.

We can also assist with longevity planning, making required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, wealth transfer, charitable planning, and asset protection and reallocation.

You may no longer be working – but your investment portfolio should be. Now that you’re retired, managing your money is more important than ever. As with any other stage in your life, factors such as your retirement goals and the economic environment may change, requiring you to make adjustments to your portfolio.

We can work with you to regularly review and reassess your portfolio and help give you confidence that your portfolio is appropriately balanced between growth-oriented investments and income-focused assets. In addition to an ongoing review of needs, goals and investment performance, we can help you understand how routine decisions can have a significant impact on the effectiveness of your long-term plans. For example, consolidating cash accounts – including savings accounts, money market funds and checking accounts – can make it easier to monitor your savings and spending and take advantage of lower fees and higher interest rates.

Note: Growth-oriented investments generally involve greater risks and may not be appropriate for every investor.

Whether you’re looking to provide income for a spouse, educate children or grandchildren or leave money to your favorite charity, we can help ensure that your assets are earmarked for the use you have intended. A well-designed estate plan can effectively help you leave a lasting legacy and mitigate your family’s tax burden. We also offer strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

A goal without a plan is just a wish.
Antoine de Saint-Exupéry