As pension plans have lost popularity and social security provides an increasingly smaller portion of retirement needs for many, more and more Americans must personally plan for their retirement. We help our clients to determine whether they are saving enough for retirement and how to invest their savings to best meet their goals. As clients approach or enter retirement, we use sophisticated analytical techniques to develop a cash flow and investment strategy that is designed to increase the odds that the client will have sufficient retirement income.

Education costs are increasing rapidly and few can afford to pay tuitions without planning ahead. We help you determine how much you need to save and how to invest those savings to best meet your family’s education goals.

Whether you want to buy a house, renovate your existing home, or start a new business, we can help you develop a savings and investment strategy to meet your objectives.
Insurance Planning
Insurance is a critical tool for protecting your family against the possibility of catastrophic loss. We review your current insurance coverage and perform a detailed analysis to determine whether your coverage is sufficient to protect your family in the event of untimely death, disability, or long-term care needs. We help you select the appropriate types of insurance policies and even assist in comparing providers and completing applications.

Taxes can have a significant impact on your ability to achieve your financial goals. We consider the tax status of each investment account to select the best location for each asset class in your portfolio and help you evaluate tax-deferred investment alternatives such as IRAs, 529 plans, life insurance, and annuity products. We pay special attention to tax efficiency when selecting investment managers for taxable accounts and attempt to re-balance within tax-deferred accounts whenever possible. We may also help our clients to estimate tax reserves related to bonus payments, RSUs, or investment income and advise on tax strategies, such as the timing of income or expenses, charitable giving, and like-kind exchanges.Insurance Planning
Insurance is a critical tool for protecting your family against the possibility of catastrophic loss. We review your current insurance coverage and perform a detailed analysis to determine whether your coverage is sufficient to protect your family in the event of untimely death, disability, or long-term care needs. We help you select the appropriate types of insurance policies and even assist in comparing providers and completing applications.

Financial goals are most often achieved when they are framed within a realistic cash management strategy. We do not make simplistic assumptions, such as your expenses being 60% of your income. Instead, we review your bank and credit card transactions in detail to understand your spending, how much you can save, and how much you need to withdraw for expenses. Whenever you have life changes, such as moving or career changes, we help you develop strategies to deal with the inevitable changes in your cash flow.

We can help you decide whether to allocate funds towards paying down debt versus investing or how much to finance when you make a major purchase such as buying a home.

Many of our clients have charitable intentions, and we can help you plan which assets to give to charity and what strategies to use from Qualified Charitable Distributions to Donor Advised Funds.

Whether you would like to transfer your wealth to loved ones or simply want to provide for loved ones in the event of untimely death, we work with your trust and estates attorney to develop a customized estate plan that addresses your transfer wishes.