Cash Flow Management
We will help you develop a spending plan that will ensure you're not living above your means. You will then be able to anticipate and meet funding needs in areas such as your children's education, retirement and other long-term goals.
We can help you explore and analyze the numerous options available for funding education, such as UGMA accounts, Educational IRAs, 529 plans and employee benefit plans.
We will review your estate planning needs, existing wills and trusts and recommend steps you can take to maximize the benefits to your heirs while minimizing the tax liability on your legacy.
We can provide strategies for exercising stock options, maximizing the tax benefits of flexible spending accounts and achieving an effective balance of retirement accounts and taxable investments.
Retirement planning has two phases; accumulation and actual retirement. During the accumulation phase we assist clients in setting goals and implementing strategies to meet them. We help our retired clients enjoy the lifestyle they’ve earned.
After reviewing your current policies, we can offer unbiased judgment on whether they meet your needs. If additional policies are warranted, we can suggest options objectively, since we do not sell any products.
Investment Advisory Services
Our foremost concern is your success, not product sales. We will use our expertise to develop an effective investment strategy designed to reach your objectives while reflecting your tolerance for risk.
Tax Planning & Preparation
We prepare your personal income taxes and provide you with professional tax-planning advice year-round. By teaching you how to reduce your taxes, tax savings often offset our annual retainer fee.