Fee-based Personal Financial Planning
Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.

Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to help manage multiple financial and lifestyle goals. Your plan also provides for your heirs and defines the legacy you choose to leave. Learn more

Investment Management
The number of investment choices available today is staggering and overwhelming. The days of simply buying and holding a portfolio of stocks and bonds are long gone. Globalization of the world's financial markets makes it imperative to broadly diversify to help protect your portfolio against extreme market volatility. To address this, we take a strategic approach to asset management.

• We construct each investment portfolio after an extensive analysis of your risk tolerance, investment objectives and time horizon.
• After ascertaining these factors, we design an investment strategy to for your needs, based on your investor profile.
• We use industry-leading research and our large universe of non-proprietary investments choices to help ensure that your investment strategy is aligned with your financial goals and objectives as we strive to protect and grow your wealth.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not eliminate market risk.

The following are among the many asset classes and investment types that comprise our investment universe.

• Preferred stocks
• Large capitalization stocks
• Emerging market securities
• Mutual Funds
• Exchange Traded Funds (ETFs)
• Convertible bonds
• Treasury inflation-protected securities
• Municipal bonds
• High yield bonds
• Corporate bonds
• Government securities
• Precious metals
• Managed futures
• Master limited partnerships
• Real Estate Investment Trusts (REITs)

Retirement Planning
Whether you are in the accumulation phase or have already retired, a sound strategy is critical to helping:

• Pursue your retirement income needs, desires and expenses
• Manage lifestyle choices and priorities
• Focus that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals

We can help you develop a comprehensive plan to:

• Identify and pursue your lifetime income goals
• Seek to Minimize taxes on income—now and during retirement
• Evaluate the variables in your retirement plan to ensure alignment with your objectives
• 401(k)/RA Rollovers
• Traditional and Roth IRAs
• SEP IRAs
• 401(k)/403(b) Retirement Plans
• Retirement Income Planning

Tax Strategies
Nearly all financial decisions have tax ramifications. Tax liabilities associated with income, estate, gift and various state, excise and sales taxes can take a real toll on your wealth. Our team of experienced professionals can help coordinate the various aspects of your financial plan aiming to maximize tax-efficient strategies in line with addressing your overall financial goals.

Insurance and Risk Management
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That's why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and professional recommendations to provide you with the confidence you seek.

• Life
• Disability
• Long-term Care

Long-term Care

When planning for long-term healthcare needs, it's important to keep in mind that:

• Medicare is not nursing home insurance and does not cover long-term care
• Private medical insurance or Medicare supplement plans do not cover maintenance care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Education Planning
Whether you're paying tuition costs now or saving for a future goal, it's important to ensure that your education strategy is compatible with pursuing your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It's important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

Since we're an independent firm, we're under no pressure to recommend proprietary education savings programs or investment products. Our only concern is which program best meets your needs.

Estate Planning
Preserving wealth from one generation to the next can be complex and time-consuming. Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and the charitable organizations you designate, according to your wishes.

We will help you articulate your estate planning goals and we will work closely with your tax and legal advisors to address your financial plan reflects your estate planning needs. 

Legacy Planning and Charitable Giving
Planning your legacy involves far more than financial considerations. Legacy planning often includes many non-monetary considerations that need to be documented or communicated to loved ones.

Charitable Giving is one aspect of legacy planning that many individuals and families embrace. It can also provide tax benefits for you and your heirs. We conduct a full assessment of short- and long-term tax and estate planning implications to help you pursue your specific objectives.