Individual Services

Financial Planning

We will analyze and make appropriate recommendations on specific planning needs our clients might have.
Although there are many issues, the top areas of concern for our clients include:

Retirement/Income Planning

Retirement planning remains the greatest concern for most clients, and is the basis for most financial plans. We blueprint a plan for retirement that is goals based, and individualized for each client. We go beyond the basics of saving and investing and review the important issues relating to retirement; including asset accumulation and management, income management, and effects of taxation and risk to retirement security.

Investment Management

We build investment portfolios for client’s based upon the same design methodologies that large institutions use to manage portfolios worth billions. Our objective is to provide sound investment guidance to meet long and short-range objectives while pro-actively managing the many levels of risks associated with investing.

Estate Planning Strategies

We assist clients with estate planning strategies that help identify and meet their personal wishes for the transfer of wealth between generations. In today’s world of financial and tax uncertainty, we help strategize appropriately for today, and flexible enough to adapt to tomorrow's changing landscape. Forward-looking clients embrace the idea of creating a wealth management plan that can have a meaningful impact for generations.

Long Term Care Planning

We develop suitable plans to mitigate significant emotional, physical, and financial consequences of long term care. The long term care industry has changed significantly over the years. We help clients determine which plan is right for them, including traditional LTC insurance or more cost-effective concepts such as hybrid life insurance/long term care insurance options.

Life Insurance and Risk Management Planning

Through our needs based approach, we structure assets and insurance programs, including life, disability, medical and long term care insurance, to minimize the risk of significant financial loss or hardship. We work with many different carriers to customize the most appropriate plan for our clients needs.

Charitable Strategies

Clients often desire to leave meaningful legacies to their heirs and to other worthy causes. We help these clients to identify and implement charitable giving strategies on a favorable tax and cash flow basis.

College Funding

With college costs escalating, a college degree still has significant economic value and is a must in many families. We help clients develop plans to cover the cost of higher education in a sound manner, evaluating all relevant tax and planning options.