Financial Planning

Our Services

Retirement

Everyone has a different definition of retirement.  Our strategy is to align your money with your desired lifestyle and to have your money work as hard as possible.  Our clients will have a clear picture and be on a confident path during this phase of their life.  Our process includes.

  • Developing a distribution strategy to support your budget.
  • Understanding and improving the success rate of your plan.
  • Addressing all the retirement risks and having a plan.
  • Having a pro-active tax strategy throughout retirement.
  • Timing and impact of social security benefits.

Passive Income

The ultimate path towards reaching financial independence is to have a steady stream of passive income.  This is putting your money to work so you don’t have to.  We help our clients work towards achieving passive income streams that can support their lifestyle through the following methods.

  • Stock dividends strategies and interest income.
  • Investment portfolio income and distributions strategies.
  • Private real estate investments.
  • Investment partnerships
  • Business interests and liquidity events.

Insurance Optimization

A critical part of your protection component is using insurance policies.  Insurance companies have an agenda to collect as much as possible and to pay out as little as possible.  Our agenda is to help clients maximize their protection and to minimize their cost for the following:

  • Auto, Homeowners, and other property/casualty policies.
  • Personal liability or "Umbrella" coverage.
  • Health Insurance, HSA plans, and Medicare options.
  • Long Term Care to self insure or purchase insurance.
  • Life Insurance, Disability, and Social Security Benefits.

Estate Transfer

This is how your assets will be passed on after your death.  It is critical to have thought this through and to have  a plan that reduces costs and complexity, but also satisfies your wishes.  We will review several areas as a part of our private wealth process to include.

  • Ownership arrangements, beneficiaries, and asset titling.
  • Spousal IRA's and Inherited IRA's.
  • Legal documents to include a will package, POA, and etc.
  • Revocable living trust.
  • Advanced trust planning for large taxable estates.

Tax Strategy

Having an efficient tax strategy can make the difference in reaching your full financial potential and we believe in having a proactive tax planning strategy.  We work with our clients to reduce their taxes throughout their lifetime and understand any tradeoffs.  Our process includes.

  • Retirement contributions and distribution strategies.
  • Roth conversions and Mega/back door contributions.
  • Restricted stock options. RSU, PSU, ESOP, and etc.
  • Capital gains, qualified dividends, real estate depreciation.
  • Qualfied opportunity zones and other special programs.

Investment Management

Investments are the fuel for your lifestyle and without them you will experience a significant opportunity cost.  We help our clients develop a cohesive investment strategy that fits their personal situation and satisfies their life’s agenda.  Our methods include.

  • Using decades of research and an evidence based approach.
  • Developing a core asset allocation to support risk tolerance.
  • Using ETF's and individual stocks to reduce taxes and costs.
  • Active management to ride the best performing asset classes.
  • Active management to reduce large market drawdowns.

Business Planning

For private wealth clients we also provide business planning for small to mid-size business owners.  Our strategies include how to maximize the owners benefits and reduce their taxes, as well as provide competitive retirement benefits to employees.  Our services include.

  • Owner's W2 salary and shareholder distribution strategy.
  • Analyzing fringe benefit and other tax incentive programs.
  • Retirement plan contributions, ie. 401k, I401k, SEP, and Simple.
  • Defined benefits pension plans or "Cash Balance Plans".
  • Key employee, shareholder agreement, and buy/sell planning.

Wealth Management Technology

We use the latest and most advanced technology in the industry to provide our clients a total transparent experience.  Technology also helps us as your advisor to provide the very best advice that’s based on evidence and research, and not opinions.  Our technology suite includes.

  • Client log in to Schwab Alliance for direct account access.
  • Client access to our INVST portal to real time total picture.
  • Advanced reporting on cash flow, balance sheet, and etc.
  • Performance reporting on all managed accounts.
  • Investment analytics, projections, and success rates.