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INDIVIDUAL & FAMILY

Our full-service firm specializes in helping individuals develop sound retirement strategies. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

Retirement Planning

Retirement Planning

Identifying how much you need to comfortably retire, if you are on the right track, and where to save your money:

  • Identifying life expectancy, inflation, cost of living
  • Customized current vs. ‘what-if’ financial scenarios
  • 401(k) or 403(b) plan allocations, rollover assistance
  • Money purchasing, profit sharing plan reviews
  • Consolidating accounts into an organized portfolio
  • Account allocation review, transfer assistance
  • Understanding beneficiary and personal RMDs
  • Discussing products that fit your portfolio, time horizon
Investment Planning

Investment Planning

At the core of this process is the identification of your financial goals. Investment planning is a core component of your full financial plan:

  • Initial identification of current/future needs, investment timeline, and risk tolerance
  • Asset allocation, diversification stems organically from goals
  • Understanding what is in your portfolio and why
  • Ongoing advisor discussions to maintain/adjust portfolio allocations
Estate Planning

Estate Planning

Strategies that protect your loved ones and set up your financial legacy for years to come:

  • Guidance on new or existing trusts, estate plans
  • Understanding types of trusts, tax implications
  • Establishing or reviewing trustees, beneficiaries
  • Assigning an existing trust as an account beneficiary
  • Exploring how a living trust may help avoid probate
Tax Management

Tax Management

Examining any and all ways to reduce current or future tax burdens:

  • Including tax events in your financial plan
  • Maximizing available tax credits, tax relief
  • Understanding current tax laws and regulations
  • Lowering taxable income, if possible
Family Protection

Family Protection

Examining appropriate strategies to protect loved ones against unexpected loss of health, income, or life:

  • Existing policy reviews (disability, income, life, LTC)
  • Ensuring appropriate policy coverage
  • Assistance in applying for new policies
  • Comparison of rates to ensure best-fit premiums
  • Understanding policy coverage
Education Funding

Education Funding

The first step towards investing in the future of your child or grandchild is identifying the educational needs and preferences of your recipient:

  • Characteristics of 529 plans, ESAs, UGMA/UTMAs
  • Examining future financial aid eligibility for the child
  • Qualifiable life events for withdrawals
  • Contribution limits and funding options
  • Traditional savings methods (CD’s, savings accounts)
  • Comparison of in-state vs. out-of-state plans
  • Who controls the account, age phaseouts
Charitable Giving

Charitable Giving

Confirming you are accurately setting up your donations and contributions to meet all legal requirements:

  • Constituting a non-cash vs. cash donations
  • How to correctly value a donated item
  • Understanding required tax documentation
  • Understanding tax code incentives
  • Ensuring you are giving to a reputable charity
  • Deciding how much to give
  • Knowing this year's maximum contribution

How Much Do You Know About Investing?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investing IQ."

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Are You on the Road to Financial Wellness?

It's never too late to start. In this ebook, we outline effective financial strategies for every stage of the journey.



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