Our Services

 

Retirement Planning

We provide advice on many different types of retirement situations. Whether you are a business owner and looking to develop an exit strategy or if you are an employee and wondering if you are in a safe financial position to finally stop working, we can help to guide you in the right direction for a smooth transition into retirement. We have helped hundreds of people over the years with retirement and seen many unique circumstances making us a good resource for real-life scenarios about what to watch out for during this next chapter of life. We are well versed on employer sponsored retirement plans including the 401(k), 403(b), 457(b) and TSP and can educate you on your options for these plans upon retirement. We are also very familiar with the various types of IRA plans as well as investment options for non-retirement assets.

 

Estate Planning

Did you know that there are 12 states in the US that currently impose state estate taxes on inherited assets above a certain minimum? Many of which are lower minimums than you would expect. It is not just the very high-net worth that should be worried about estate taxes. We can assess your situation and provide recommendations on strategies to mitigate or avoid estate taxes all together. 

 

Wealth Management and Asset Allocation

One of the advantages of working with an independent financial advisor is we have the freedom to choose the investment vehicles that are right for each client without any pressure to stick to a specific family of funds. We don't have a quota or incentive to sell particular investments to our clients, allowing for us to choose the most reasonable options that are always in the client's best interest. We have access to and utilize investment options from many of the large financial companies you may have already heard of, such as JP Morgan, Vanguard, BlackRock, American Funds, and many more. Our firm believes in transparency and will always educate our clients on the types of funds that we are investing their money in.

*Asset allocation does not ensure a profit or protect against a loss.

Tax Planning

In the words of the late great Benjamin Franklin: "In this world nothing can be said to be certain, except death and taxes". While we are not licensed tax professionals, we do share guidance on tax planning and have a variety of CPA's who we actively communicate with when it comes to the ever- changing tax-code. It is extremely important in retirement to be mindful of your unique tax situation and to avoid any pitfalls along the way that could cost you thousands in unnecessary taxes. Our job is to keep you informed on strategies to help mitigate tax and to ensure that you do not make any costly mistakes during retirement. We offer all of our clients an annual tax check-up, which includes running your most recent tax-return though our software that checks for errors and provides a simple report on your tax liabilities including tax-savings suggestions for the upcoming year.