Foundation of financial success

Begins with a plan designed for you
Based on years of feedback from clients, we have uniquely tailored our services to be a mixture that is a unique experience to each client. Those services fall under the areas of accumulating, preserving, protecting, leveraging, and finally distributing wealth, all in a way that reflects your values. We start with:
Accumulation Phase - Making your investments work for you
Our process is based on strategic asset allocation, whereby carefully screened noncorrelated assets are used in an allocation that matches your risk profile. Your portfolio is structured for the long term and your personal goals drive the asset allocation in every portfolio. Portfolios extend beyond traditional stocks and bonds to alternative asset classes, including real estate, energy, among others. Our team provides:
Asset Protection - Safeguarding your wealth from risks
We look beyond market risk in analyzing your situation, to help protect you from taxes and potential liabilities. We start with proper insurance, making sure you maximize contributions to assets that are protected from creditors and that your estate is properly structured to minimize estate taxes. If trusts are indicated, we are able to provide corporate trustee services or partner with your trust company of choice.
 
Income Preservation
We want to make sure that your income is properly planned and protected. We provide:
  • Life insurance review
  • Property & casualty insurance checklist
  • Long-term care analysis (if over age 50)
  • Disability analysis
  • Cash flow statement and projection
  • Income tax projection and planning (with your CPA or EA)
Debt Management - Borrowing wisely and efficiently
We recognize that improper debt management can derail a solid financial plan. We will assist you in determining how much debt is appropriate, how to get the best rates, obtaining the maximum interest tax deductions, and how to maintain the best credit. We provide:
  • Net worth statement and projection
  • Ratio analysis (debt to equity, savings, debt ratio)
  • Debt analysis
Distribution of Your Wealth - Passing down your most valuable assets
We work with you and your attorney to develop and maintain an estate plan so that your family members and organizations that mean the most to you receive the full benefit of clearly stated wishes. If you believe that more than just assets should be left to the next generation, we agree your values are the most important legacy to pass on. You planning will include:
  • Estate document tax planning review
  • Beneficiary designations for retirement plans and life insurance
  • How assets should be titled
  • Letter of Instructions checklist
  • Family gift planning
  • Stewardship and charitable legacy planning