Broker Check

What We Do

The most important part of any financial plan is the relationship between advisor and client.  The ability for both parties to communicate effectively is critical to the success of both the creation/implementation of plans and ongoing management of plans.  With this in mind, we begin our work together by creating a private “Client Portal” with a secure “Vault”.  This allows the client continual online access to all work in progress as well as finished plans awaiting approval.  This Client Portal allows us to work interactively in real-time and provides a secure platform for storage and exchange of documents and information.  

Then we begin the evaluation and planning process.  Below is just a sampling of things to consider when engaging in the financial planning process……

Financial Planning / Retirement Planning

  • Reduction in income (pension)
  • Survivor Options/Benefits
  • Increased free time
  • Healthcare/Insurance/Medicare
  • Social Security Integration
  • Supplemental Retirement Income
    • Funded Plans (401k, 403b, 457, etc.)
    • Savings/Investments
    • Work/Career Change
  • Managing Debt/Credit
    • Structure/Terms of long-term debt
    • Secured vs. Unsecured Debt
    • Debt Consolidation/Elimination

Asset/Investment Management

  • Investment Policy Statement
  • Institutional Investment Managers
  • Strategic vs. Tactical Management
  • Tax-sensitive Management
  • Socially Responsible Management

Financial Transition Planning

  • Transition Identification
  • Prioritizing Needs/Wants
  • Reality Checks

Estate & Legacy Planning

  • Wills vs. Trusts
  • Power of Attorney
  • Healthcare Proxy
  • Living Wills
  • Choosing Custodians/Trustees/Guardians
  • Assets or Cash……which is best for you?
  • Charitable Giving

Tax Planning

  • Impact of taxes on future income 
  • Impact of transition on taxes
    • Income Taxes
    • Real Estate Taxes
    • Estate/Inheritance/Gift Taxes