Financial Planning
A process that allows you to articulate and quantify your financial goals, organize financial needs and opportunities and evaluate alternative courses of action. Included in the written plan is our analysis of your overall financial position and our recommendations in areas such as investment strategies, tax planning, education funding, retirement planning and estate planning. Comprehensive financial planning establishes the foundation for the wealth management process. Our thorough planning process includes:
-Cash flow analysis
-Investment portfolio analysis
-Legacy and estate advice
-Retirement planning
-Risk management
This analysis provides the proper understanding for developing an appropriate strategy for the future. We can help you identify your unique goals and objectives, financial and otherwise, and design a customized strategy to help you reach those goals. Once your strategy is implemented, we continually monitor your portfolio to make sure it is appropriately positioned to progress toward your long-term goals.
Asset Management:
Design and implementation of an investment portfolio that provides for the continuous supervision and management of all portfolio assets. Asset allocation techniques are used to provide safety through diversification as well as potentially increased long-term total return with an emphasis on minimizing portfolio volatility; however, this does not assure against market loss and risk. Asset allocation does not ensure a profit or protect against loss. We provide institutional investment solutions for individual investors. Using an array of financial instruments including stocks, bonds, and mutual funds we can help you build a diversified portfolio that is designed to complement your unique circumstances, goals, and objectives. This “goal-oriented portfolio design” means that our recommended portfolio is tailored to your specific short- or long-term goals. Our disciplined, due diligence process allows us to select and monitor our recommended investment managers. We review your portfolio on a regular basis and rebalance it as necessary to keep it diversified and properly positioned.
Business Planning:
Business valuation and disposition analysis, design and implementation of employee benefit plans for closely-held businesses. If you are a small business owner we are well-versed in retirement benefits to you as the owner as well as your employees.
-Business Investment Strategies
-Executive/Employee Retirement Plans
-Succession Planning
Estate Management:
Estate planning is a complicated field. At its simplest, it includes wills and necessary medical powers, and powers of attorney. From there, it can include various types of sophisticated gifting strategies involving trusts and other entities. In estate planning, we work to ensure that your assets are passed on to the people you want to have them. We devise plans for the transition of assets so that the least amount of tax is paid and the appropriate controls are in place. Our comprehensive analysis of your circumstances includes an evaluation of your existing estate plan to make sure that your plan is congruent with your goals and objectives. Based on this evaluation and the financial information that we have gathered and organized, we look for opportunities to refine your existing plan. In the event that changes are desired, we work closely with you and your attorney to craft a plan to achieve your objectives. Our involvement in this process simplifies estate planning for you and provides us with a greater understanding of your plans so that we can advise you as laws change or your circumstances change in the future, making sure that your planning continues to be both efficient and effective.
Retirement Planning:
For most people, planning for retirement is an important goal and an integral piece of their comprehensive plans. Often times, questions about retirement planning (whether and when to retire) are the sparks to move someone to seek advice and develop a plan. We bring together our knowledge of various types of retirement plans (401(k)s, IRAs, etc.), social security benefits and our comprehensive analysis of your overall financial situation to develop a strategy to help you achieve a comfortable and worry-free retirement. Specializing in retirement plan rollovers, Tax Qualified Plans, pension and profit-sharing plans, 401(k) plans, SEPs, IRAs and SIMPLE Retirement Plans.
Estate and Trust Services:
We will work with you, your attorneys and accountants to ensure that a comprehensive plan is developed with appropriate investment alternatives. It is crucial that the right plan is in place to protect the assets that you worked so hard to create. Simple planning at the early stages can benefit you immensely when you contemplate transferring your assets to your loved ones. A dedicated team of professionals are critical.
