Our firm specializes in helping individuals and families develop sound financial strategies. Please take the time to explore our website and the wealth of information we offer. We provide personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.
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Comprehensive Financial Planning | Retirement Planning | Wealth and Asset Management | Protection Planning | Long Term Care Planning | Legacy Planning
Every comprehensive financial plan has a process
The key to creating a successful financial plan is ensuring it covers your current and future financial needs. To determine your particular needs, we will spend time considering your options, defining your goals, and evaluating your resources. Once the information is gathered, we use our extensive knowledge to carefully construct a financial plan completely customized to work toward achieving your goals.
Determining when and how you can retire is one of the most important decisions that you can make in life. Social Security benefits, employer-sponsored plans, and personal retirement savings including investments, IRAs, and annuities typically combine to compose the retirement income for most Americans. Deciding which retirement choices will serve you best can be daunting, but we can guide you to the options that will help support and enhance your overall investment and tax strategies. Proactive retirement planning can create confidence and help you look forward to the future you envision.
Our wealth management philosophy is centered around a disciplined, non-emotional approach to investment selection. Financial markets can be volatile and difficult to understand let alone try to predict. If your portfolio is designed for both up and down markets from the beginning, it helps minimize the emotion and fear that can lead to bad decisions.
Navigating the financial markets along with the expansive selection of investment products and strategies out there can be very overwhelming. As experienced wealth & asset management professionals, we are well-equipped to provide you with the customized guidance and strategies that we believe are most appropriate given your specific circumstances. We will guide you through an investment management program that is tailored just for you.
Risk can take many forms: illness, accident, liability, and natural disasters, to name a few. Failing to manage risk properly can jeopardize your financial future. That’s why smart financial planning evaluates the various levels and types of insurance you carry to make sure they’re aligned with your overall goals and needs.
Today, it is critical to have a solid knowledge of long-term care and what decisions must be made well before that care is needed. It is important to discuss the tolls of providing care over a prolonged period of time and the acute consequences it can have on a family – financially, physically and emotionally. We will offer advice that leads to a plan to prepare for and mitigate those consequences.
Your legacy is in your hands. Only through diligent monitoring can you be assured your assets will be transferred effectively and according to your wishes to the people and charities you care about most. Establishing trusts, regularly reviewing your legal documents and beneficiary designations, and examining tax implications for survivors are vital to establishing a plan that provides you and your loved ones with greater confidence and security.
We can guide you through this vital process to make sure everything is in order. We will work with your existing legal team, or provide a referral to one of our trusted partners, to draft the documents appropriate for your situation.
Whether its arranging for the special needs of a family member, minimizing taxes, or ensuring a smooth transition of assets, we can help you make sure you've covered all the bases and put the right plan in place. When is the best time to do this critically important work? The answer is NOW. Do it when you are healthy and in a calm state of mind. Don't wait until you get sick or something has happened to make you realize you didn't take the steps necessary to be prepared. The sudden illness or passing of a loved one is a very traumatic event. Make sure it's not even more stressful and emotional for your family than it will already be with the proper estate planning. You don't have to be elderly or ill for something to happen. Unexpected accidents and health events happen all the time and can throw a family into a panicked frenzy of worry and stress. Why have this happen to you or your loved ones if it could easily be avoided with some proactive and thoughtful planning?
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