Services

It’s about protecting your family and your assets. With so many available plans and programs, it can be difficult to determine an appropriate strategy. We can help you evaluate options; from annuities and asset protection, to life, disability and long-term care insurance.

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on one’s family. We can assist you in articulating your estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.

Your largest financial expense – And not all money is taxed the same!

  • Annual Tax Return Analysis 
  • Asset Location
  • The Order of Money
  • Coordination & Timing of Income 
  • Measuring Your Tax Bracket
  • Avoiding Tax Traps 
  • Gifting Strategies 
  • Pay Now Versus Later 

As you approach retirement, you may have a number of questions regarding Social Security. How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and can address your questions.

We begin the discussion using a model driven portfolio strategy to illustrate what goes into a diversified portfolio and to help set expectations. Investment choices in the models allow for vast degrees of customization enabling us to tailor a portfolio that complements your other planning concerns, be it taxes or liquidity needs. We find the model-based approach is a great place to start. It more easily allows us to show you how your portfolio would have performed under certain conditions and periods of time. It’s easier to establish comfort levels and risk tolerance when we start with a strategic model and discuss what to expect based on real historical data. After we define your objectives and risk tolerance, we develop a portfolio that may consist of stocks, bonds, Exchange Traded Funds (ETFs) and mutual funds, emphasizing risk management and diversification. As a Registered Investment Advisory firm, your best interests lead the way.

  • Asset allocation recommendations
  • Portfolio design and construction
  • Continuous portfolio monitoring, rebalancing and maintenance

Retirement income planning is the foundation of a solid retirement strategy. One of the key objectives is to have a consistent and reliable stream of income designed to last throughout retirement. We can help you address critical questions, such as how much income will your retirement savings generate, how to shift from the accumulation phase of your life to the distribution phase and what must be done to make it work. Much of your income may come from multiple retirement plans hosted by current and previous employers. We are well-versed in the intricacies of pensions, profit sharing plans, and 401(k) plans, especially those offered by companies within the telecom, military and civil service industries. Through our proprietary analysis we will construct a portfolio distribution strategy designed to help you coordinate your benefit plans with your other retirement options, including Social Security benefits, in order to generate cash flow and create a steady stream of income. People don’t become financially secure by accident – planning is a combination of art and science. Risk and reward doesn’t cover just investing, it involves real emotion in an ever-changing environment. Financial planning isn’t something you do at retirement; it’s what you do to get there.

Insurance Planning

It’s about protecting your family and your assets. With so many available plans and programs, it can be difficult to determine an appropriate strategy. We can help you evaluate options; from annuities and asset protection, to life, disability and long-term care insurance.

Estate Planning

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on one’s family. We can assist you in articulating

Tax Planning

Your largest financial expense – And not all money is taxed the same! Annual Tax Return Analysis  Asset Location The Order of Money Coordination & Timing of Income  Measuring Your Tax Bracket Avoiding Tax Traps  Gifting Strategies  Pay Now Versus Later 

Social Security Optimization

As you approach retirement, you may have a number of questions regarding Social Security. How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and can address your questions.

Investment Management

We begin the discussion using a model driven portfolio strategy to illustrate what goes into a diversified portfolio and to help set expectations. Investment choices in the models allow for vast degrees of customization enabling us to tailor a portfolio that complements your other planning concerns, be it taxes or

Retirement Income Planning

Retirement income planning is the foundation of a solid retirement strategy. One of the key objectives is to have a consistent and reliable stream of income designed to last throughout retirement. We can help you address critical questions, such as how much income will your retirement savings generate, how to