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Our Services

Personal Financial Planning

We’ll work closely with you to determine how situational changes or major life events such as job
changes, marriage/divorce, welcoming a child or a health change will impact your overall financial plan.
We assist with cash flow planning, net worth tracking and planning for near-term financial goals.

Retirement Planning

We recognize that for most people, retirement is the largest financial goal. Our aim is to make the
transition from accumulation to distribution as easy as possible, by providing detailed scenario modeling
and projections, assist with needs analysis, evaluate tax-efficient savings and income strategies, and
monitor your retirement plan, adjusting as necessary to keep you on track throughout your golden

Estate and Wealth Transfer Planning

We collaborate with your attorney to solidify your estate plan, coordinating any updates with recent law
changes, integrating updates into your financial plan and monitoring beneficiary changes, trust funding
and the eventual trust administration.

Tax Planning and Coordination

We offer tax-reduction strategies in collaboration with your tax advisor, evaluating the need for tax loss
harvesting, recommending specific investments, products or strategies to help mitigate income tax, and
analyzing the impact of strategies such as Roth conversions, charitable giving or lifetime gifting.

Business Planning

We tailor qualified plans (401k, profit sharing, cash balance, SEP and SIMPLE IRAs) to meet the needs of
your business and provide business owner-oriented tax-savings. We can assist in buy/sell analysis,
review your corporate structure, evaluate strategies such as adding family members to payroll and offer
tax mitigation strategies on income or sale proceeds.

Real Estate Analysis

We help analyze your existing holdings, debt structure and cash flow to evaluate the opportunity for
1031 exchanges, buy/sell transactions, or gifting strategies. We can also help in reviewing the ownership
structure and evaluating the need for a cost segregation study.

Risk Management and Insurance Planning

We’ll work with you to determine the appropriate level of coverage to protect your legacy and equip
your family with financial security. We also help analyze your needs to determine the level of long-term
care coverage you may need to maintain your lifestyle as you age, so that you can continue to live life on
your terms. 

Investment Management

We work with you to develop a customized, comprehensive, and objective goals- and needs-based
investment management plan, resulting in an asset allocation aimed at achieving the best rate of return
at a given risk tolerance. Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Education Planning

We assist in a needs analysis, to determine how much education savings is needed and the appropriate
strategy, whether that be 529, life insurance, Roth, child as employee, gifting or other strategies to
create a generational education legacy.

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