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Goals-Based Financial Planning for Individuals, Families, Estates, and Trusts
Your personal goals should drive your entire financial planning and investment management process. To help you reach these goals, we develop a customized, comprehensive plan around the following areas:
·         Retirement Planning
·         Investment Planning
·         Family Risk Management Planning
·         Education Planning
·         Legacy Planning
·         Business Planning
·         Tax Planning 
We utilize many different investment vehicles, such as: mutual funds, ETFs, UITs, stocks, bonds, bank CDs, market-linked CDs, buffered notes, annuities, REITs, BDCs, etc., without any proprietary products or unnecessary bias. That’s the best part of being independent, and it lets us focus on what really matters: helping you.
We utilize the right structure and investment vehicles to minimize your contribution to Uncle Sam and increase your tax efficiency!
Life, Disability, and Long-Term Care Insurance Planning
As humans, we’re wired to protect those we love. We work hard to care for our families – our children, our parents, our siblings, etc. – as long as we are able; but there are times when unexpected events don’t fit into our plans.
We will help you determine what financial needs your family may have if you were suddenly unable to work, or unable to care for yourself. That way, you may continue to protect those you love.

Tax Efficient Investment Strategies for High Net Worth Individuals

For certain high-net-worth individuals, we offer specialized investment strategies to create income, reduce taxes, and diversify beyond the typical stock and bond portfolio.


Employer-Sponsored Retirement Benefit Plan Services
Employer-sponsored retirement plans, such as 401(K), Profit Sharing, 403(B), SIMPLE IRA, SEP IRA, Defined Benefit, and Cash Balance can be great tools for your business.  These plans can be recruitment and retention tools, tax planning tools, and most importantly, retirement planning tools. 

Not only do we assist businesses in establishing and maintaining these plans, we also offer plan review services. This helps you assess the health of your existing plan, as well as decide if your plan meets your needs. Our focus on fiduciary responsibility, employee education, fees, and concierge-level service can help ensure you are offering the most appropriate benefit plan for employees, employers, and business owners.
Business Continuity and Succession Planning for Death or Disability
As a business owners, what will happen to the business you have worked so hard to build if you are suddenly unable to work due to unexpected disability or death?  Do you have a spouse who will step in and run the business, or a business partner who will buy-out your share of ownership? 
We help business owners put protections in place for these types of situations. We can help you decide the best course of action including how to transfer the risk of these types of continuity plans, and create funding vehicles for buy/sell agreements.