The Value of What We Do

What is the value of a mechanic? Is it his tools?  TheAction Plan parts he provides? Or is it his knowledge and expertise in discovering and fixing the problem?

What is the value of a physician? Is it in the prescription she provides? The scalpel? Or is it in her knowledge and expertise in diagnosing and healing?

What is the value of a financial advisor?  Is it in the products he or she provides? The plan? No, like any professional, the value of a Financial Professional is in the knowledge and expertise we provide in helping you achieve your financial goals.  If you are looking for a firm whose sole objective is to beat the market, we are not what you are looking for.

We can help you plan your financial future and your legacy. We consider six critical areas of financial planning along with your family traditions, history, values, life lessons, and wishes.

If you don’t have a financial plan that addresses all these issues in the same comprehensive process, you are leaving parts of your financial future open to question. Why risk that? If you don’t know where you stand, you should.  If you want to know, we can show you how.

We provide conscientious wealth management services with an approach designed to help you live more confidently, enjoy more of your life, and further your family legacy.

If you needed medical attention, you probably wouldn’t attempt your own diagnosis. You would seek the opinion and services of a trained medical professional. Similarly, your financial health may be better served by seeking professional advice on issues concerning your financial future.

Making Sure That Your Plan Can Withstand the Unexpected

  • Review and analyze your financial position.
  • Identify any risk exposures and recommend a variety of Risk Management solutions.
  • Review, explain, and update your current Life, Disability, and Long Term Care insurances so key risks are covered.
  • Evaluate current employer-provided insurance.
  • Review and explain available choices when transitioning to Medicare.
  • Assist you in evaluating your umbrella, property and auto insurance, and look for opportunities for improvement or money savings.

Helping You Get Your Financial House In Order

  • Assist you in organizing your financial data in a manner that can be easily handled
  • Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
  • Education on financial topics and concepts
  • Develop and monitor a strategy for debt reduction
  • Help you understand the various attitudes toward money and the financial decision-making associated with each of them
  • Provide referrals to other professionals, such as accountants and attorneys
  • Help to manage the financial impact of lifestyle changes (death, inheritance, job change, retirement, child birth, divorce, disability, health, legal issues or other crises).
  • Provide positive encouragement and motivation for effort and successes
  • Provide friendly and knowledgeable support

Strategies To Make Sure You'll Have Enough

  • Develop, refine, implement, and monitor a written retirement income plan.
  • Provide guidance to see that your retirement income and assets last a lifetime.
  • Determine how much to withdraw and where to withdraw from for tax efficiency.
  • Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
  • Provide Roth IRA conversion calculations and advice
  • Recommend alternative Social Security claiming strategies that match your financial plan.

Focusing On The Growth And Management Of Your Portfolio

  • Establish how and how much to save.
  • Explain investment ideas in a manner that makes it easy to understand
  • Advise on who should manage and how they should manage your money.
  • Assist you in selecting investment options in your 401(k), 403(b), or other retirement plan.
  • Help you implement a time horizon investment strategy to reduce risk.
  • Align your investment strategy with your financial plan, tax situation, and personal goals.
  • Benchmark investment performance against your financial needs not the market.
  • Provide you a disciplined approach to eliminate emotional decision making.
  • Prepare an Investment Policy Statement (IPS) to signify your goals and expectations.
  • Consolidate investment paperwork
  • Provide annual asset allocation review and, as needed, account rebalancing

Maximizing What You Earn By Minimizing What You Owe

  • Recommend tax strategies to minimize your taxes.
  • Discuss the benefits of optimizing your 401(k), 403(b) or other retirement plan options
  • Provide capital gains and loss planning
  • Help you reduce taxation of Social Security benefits
  • Provide a year-end capital gains/loss analysis
  • Consult and coordinate your financial plan with your tax situation.
  • Coordinating your business and personal taxes for greatest efficiency.
  • Track cost basis for better planning and easier tax preparation.

Seeing That Your Plan Will Carry Out Your Wishes

  • Advise on the implementation and proper use of estate planning tools: wills, trusts or powers-of-attorney
  • Provide education and guidance on charitable giving alternatives
  • Review ownership and beneficiary designations on all accounts
  • Review and analyze your assets for proper ownership and beneficiaries.
  • Help with the continuity of your family’s financial plan through generations.
  • Provide guidance to help you get your financial affairs in order.
  • Consult and coordinate your plan with your attorney.

Helping You Seize Chances for Personal and Professional Growth

  • Explain how to best utilize employer benefits
  • Analyze the economic benefits of employment offers
  • Evaluate stock options and distributions as well as restricted stocks
  • Evaluate current business insurance and provide options if needed
  • Provide referrals to business valuation specialists
  • Analyze IPOs and business purchase options
  • Analyze current employee benefits and provide options
  • Provide strategies dealing with the continuity or disposition of the business upon the business owner's retirement, death, disability, or decision to sell.
  • Provide guidance regarding business tax planning
  • Provide small business operational advice