Our process is designed to help each client achieve their desired lifestyle and heartfelt goals.
Many clients do not believe their ultimate destination is retirement, but rather, desire the freedom to work less, take action on other dreams, do volunteer work for their favorite charity, further their education goals, or even work to accomplish a heartfelt goal that has gone unaccomplished for too long.
During our Discovery Process, we engage in a compelling discussion which is specifically designed to help us understand your unique situation, and how we can customize solutions to help you achieve your desired lifestyle.
Our extensive experience enables us to gain an understanding of your investment objectives while providing a well-defined method to help meet your financial goals. To achieve this, we use a series of ongoing steps within our oversight process.
We will help you develop and estate plan with the objective to ensure your assets are distributed in a manner that best serves your personal goals and values. Whether your desires are to maximize your family estate for your heirs or to fund charitable goals, we will work closely with you and your attorney. Periodically we will review and update your estate plan to ensure it continues to be consistent with your financial plan.
We review your insurance and recommend the right kinds and amounts you need. This helps eliminate “coverage gaps” which might endanger the financial plan and allows us to see what, if anything, can be done to reduce premiums for you.
We perform an analysis of your income needs now and in the future. There is continual development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living. In addition we recommend the best distribution strategy for your employer retirement plans and IRAs.
During the last two months of each year we will do serious income tax planning to seek ways to reduce taxes and make sure there are no “surprises” come next April. During the first quarter of each year we will prepare your tax return. We provide income tax services to hundreds of clients annually for their individual, corporate, or partnership returns as well as estate and exempt organization returns.
We work with you to establish adequate cash reserves to handle financial issues that come up in life. This involves establishing a debt elimination plan as well as major purchase assistance. We also assist in buying or refinancing a house as well as consider utilizing a reverse mortgage.
There is no guarantee that any investment strategy will generate a profit or prevent a loss. Investing in the securities markets involves risk, including loss of principal.