Products and Services
We assist you with design and implementation of a program that ensures that your wealth is passed along to family or others, while mitigating the impact of estate or inheritance taxes. This service enables you to plan your personal estate with an aim of maximum distribution and conservation to future generations.
We work side-by-side with you building strategies towards creating financial success, provide ongoing monitoring and progress update meetings. We will also work with your accountant, attorney and other professionals to insure all of your wishes are taken into account and make sure nothing is overlooked. This ongoing relationship provides support and peace of mind knowing that all of your financial planning components are being macro-managed by a professional advisory firm. Your time is freed up to focus on other passions in your life.
Every investor is unique, so our investment programs are designed to link specific investment needs to the appropriate method of professional investment management. In a world where traditional securities analysis and portfolio management are being questioned as out of date in relation to the "new" era of day trading, we remain committed to providing personalized investment management services to individuals, families, and fiduciaries. We emphasize the unique needs and goals of our clients and acknowledge that these needs deserve to be addressed differently. This approach has proven beneficial to clients of our firm for many years and we firmly believe that it will remain a successful approach far into the future.
Mutual funds pool money from many investors all sharing the same investment objective. Mutual funds provide everyday investors a variety of investment opportunities and permit them to benefit from the knowledge and experience of professional investment managers dedicated to security analysis, evaluation and selection. Investors have immediate access to their money by selling shares at the fund's net asset value. In addition, mutual funds typically invest across a wide range of securities (such as stocks and bonds), thereby providing easy diversification. Moreover, because mutual funds are sold in shares, regardless of how much you invest, you own a proportionate amount of all the fund's holdings. Finally, custody, tax reporting and record keeping are among the many services mutual fund companies provide in a highly cost-effective manner.
Should you ever require a nursing home, assisted living or some other form of home health care it can unfortunately become quite expensive. Studies show that more than half of the U.S. population will require long-term care at some point in their lives; are you willing to take a chance that someone else will be there to help you? Keep in mind that Medicare doesn't cover most long-term care costs and Medicaid benefits are only available to you after you've depleted all of your assets. We help you protect yourself from unexpected long-term care expenses with appropriate coverages.
Insurance is an essential component of a complete and diverse financial plan. It protects your heirs in the event of your death and provides security for you in the event of an unexpected disability. As we build a relationship with you, we are better able to provide focused guidance and determine which insurance products serve you best.
Asset management helps our clients enhance their wealth by maximizing post-tax returns while maintaining reasonable levels of risk. We accomplish this by utilizing research-based factors to structure our portfolios. We work closely with you to design and manage a strategy that complements your individual investment objectives.
Wills and Trusts are simply tools used in the larger process of Estate Planning. Unfortunately, there is a widespread misconception that this topic is of interest only to the wealthy. The truth is that an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes your final wishes while addressing the needs of your survivors — all while minimizing tax liability. It also covers planning for unexpected occurrences, such as disability, and takes into account deeply personal medical choices. Trusts play an important role in providing order to your financial affairs, assisting with tax planning, simplifying estate settlement and providing guidance for your family.
We work with you to determine whether your current savings strategy will cover college expenses for your children. If you dream of your child or grandchild going to college, it's important to recognize that higher education comes with a large price tag. However, with proper financial planning, it is far from an insurmountable problem. We'll help you calculate college costs, evaluate funding options and create an education strategy tailored to your unique goals.
The ability to retire free from financial pressures remains the main focus for all of our clients, whether they're business owners or employees. It is critical for a retirement plan to be properly designed, implemented, communicated and administered in a way that allows them to remain dynamic, adapting as a clients' business and the relevant tax laws change. Retirement plans demand continued and careful analysis, particularly for ongoing IRS compliance. The appropriateness of a "qualified" or "non-qualified" plan for any individual should be determined based upon the individual's existing financial condition, in addition to their individual goals and dreams.
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