Estate Planning

We assist you in the design and imple­men­ta­tion of pro­grams to ensure that your wealth is passed along to fam­i­ly or oth­ers, with­out being neg­a­tive­ly impact­ed by estate or inher­i­tance tax­es.  This ser­vice enables you to plan your per­son­al estate to help ensure max­i­mum dis­tri­b­u­tion and con­ser­va­tion to future gen­er­a­tions.

Retirement Planning

Hav­ing the abil­i­ty to retire com­fort­ably and free from finan­cial pres­sures remains the main issue for our clients — both busi­ness own­ers and employ­ees. It is crit­i­cal that the retire­ment plan be prop­er­ly designed, imple­ment­ed, com­mu­ni­cat­ed and admin­is­tered. Retire­ment plans are dynam­ic, chang­ing as client’s busi­ness­es and tax laws change. They demand con­tin­ued and care­ful analy­sis, IRS com­pli­ance review and plan admin­is­tra­tion. The appro­pri­ate­ness of a “qual­i­fied” or “non-qual­i­fied” plan for any indi­vid­ual is deter­mined based on the individual’s exist­ing finan­cial con­di­tion, as well as on his or her goals and dreams.

College Funding

We will work with you to tell you if your cur­rent sav­ings strat­e­gy will cov­er your child’s col­lege expens­es.  Do you dream of your child or grand­child going to col­lege? High­er edu­ca­tion comes with a high price tag, but it’s an expense you can meet through prop­er finan­cial plan­ning. Let us help you cal­cu­late col­lege costs, eval­u­ate fund­ing options and cre­ate an edu­ca­tion strat­e­gy tai­lored to your goals.

Options may include:

  • State-spon­sored col­lege sav­ings plans (529s)
  • Edu­ca­tion Sav­ings Accounts
  • Tra­di­tion­al and Roth IRAs
  • Cus­to­di­al accounts (UGMA/UTMA)
  • Edu­ca­tion Trusts

Will/Trust Analysis

Wills and Trusts are just tools in the larg­er process of “estate plan­ning”.  There is an unfor­tu­nate, wide­spread mis­con­cep­tion that this top­ic is a sub­ject of inter­est only to the wealthy. In fact, an estate plan pro­vides the legal mech­a­nism for dis­pos­ing of prop­er­ty upon death in a way that rec­og­nizes your wish­es and the needs of your sur­vivors, while min­i­miz­ing tax­es. For many it involves, even more impor­tant­ly, plan­ning for the han­dling of affairs in case of dis­abil­i­ty, and the deeply per­son­al med­ical choic­es to be made as life nears its end. Estate plan­ning is not just for rich peo­ple.  Trusts can play an impor­tant role in pro­vid­ing order to your finan­cial affairs, assist­ing with your tax plan­ning, sim­pli­fy­ing your estate set­tle­ment and pro­vid­ing guid­ance for your fam­i­ly and oth­er heirs.

Asset Management

Asset man­age­ment helps our clients enhance their wealth by max­i­miz­ing after-tax return with a rea­son­able lev­el of risk. To accom­plish this objec­tive, we inte­grate active port­fo­lio man­age­ment with a com­mit­ment to after-tax strate­gies across all appro­pri­ate asset class­es. We work close­ly with you to design and man­age a strat­e­gy that com­ple­ments your spe­cif­ic invest­ment objec­tives. Your asset allo­ca­tion can con­sist of qual­i­ty mon­ey mar­ket funds, well-researched equi­ties, and invest­ment qual­i­ty fixed income oblig­a­tions.

Life Insurance Ownership Management

Insur­ance is an impor­tant part of a com­plete finan­cial plan. It pro­tects your heirs in the event of your death, and it can pro­tect you in the event of a dis­abil­i­ty. We can help you deter­mine what type of cov­er­age is best for you. We can pro­vide access to insur­ance prod­ucts, includ­ing term life, whole life, uni­ver­sal life, vari­able life, sur­vivor­ship, sin­gle pre­mi­um, long-term care and long-term dis­abil­i­ty insur­ance. As you build rela­tion­ships and share finan­cial infor­ma­tion with us, we are in a unique posi­tion to pro­vide guid­ance and deter­mine which insur­ance prod­ucts are best for you.

Long Term Care

There’s a good chance that you may need to pay for nurs­ing home, assist­ed liv­ing or home health care one day. In fact, more than half of the U.S. pop­u­la­tion will require long-term care at some point in their lives.  Long-term care involves help­ing you with the most inti­mate aspects of your life, like what and where you’ll eat and your per­son­al hygiene. Unfor­tu­nate­ly, this kind of care is expen­sive. You prob­a­bly shouldn’t assume that Uncle Sam will help. Medicare does not cov­er most long-term care costs. Med­ic­aid ben­e­fits are only avail­able to you when you’ve deplet­ed all of your assets.  We will help you pro­tect your­self against long-term care expens­es with the appro­pri­ate cov­er­age.