Client-first...
Not Product-first
We offer a suite of services to assist in creating custom strategies that are designed to help you reach your financial goals.
As a full-service investment firm, our financial advisors have access to a wide range of investment programs and services. Because there is no pressure to recommend any particular investment, we can explore and choose from a broad assortment of investment vehicles.
Most clients want to ensure they protect themselves and their loved ones as life goes on. We will work with you to understand what priorities you have when it comes to matters like power of attorney or an executor for your will, then ensure there is continuity in your investments and that your assets are properly coordinated.
Creating a plan for the business you have helped cultivate over your years of service can often be a complex or emotional process. Our team can help you create a plan where you weigh your options – such as transferring your ownership to descendants, to employees, or externally – and can delegate items such as timing and business valuation/tax matters.
Protecting your current assets is always top of mind, especially as life events arise. We will lay out options for insurance types (such as long-term care, life, or annuity), adequacy of coverage, cost-effectiveness for each policy, and beneficiary designations so you can feel confident that you are staying protected.
New ventures and opportunities may necessitate some additional cash – think buying or constructing a home, or a new business opportunity. We will create and coordinate a credit management plan that works alongside your investment plan, accounting for tax-efficiency and credit options which can help mitigate cash flow crunches.
We work together to outline what steps are necessary to impart the correct financial expectations to your descendants to ensure continuity in your finances. We can also discuss options for support strategies if you are looking to build a college savings fund for a child or grandchild.
We will examine your savings and execution on retirement plans, look at benefit options (such as deferred compensation and qualified retirement plans), and review details on matters like asset reallocation or beneficiary changes. We can also help navigate alternative stock options for executives, such as incentive stock options, non-qualified stock options, or restricted stock.
Many clients seek to support a worthy cause, whether in their life or as part of their legacy. We can work with you to understand your desires for making a gift, then explore what options there are in terms of tax efficiency and transfer options.
Do you have enough saved for retirement? Have you documented the logistics of your retirement distribution? Do you need to review how your investments are allocated? We can review all these questions, as well as examine matters like timing, taxation, and how much control you want to maintain.
For clients with a focus on building and preserving their wealth, investment strategy can be one of their biggest hurdles or concerns. We will gather the information we need on all your assets, including equities, risk tolerance, time horizons, and more, so we can allocate in a way that suits your needs. We will also work with you to expand your financial approach with the ability to reinvest as life changes.
Understanding who owns an asset and reviewing the beneficiaries on your titles and trusts is a crucial step to your wealth management. We serve as an additional resource, guiding you to understand how your assets are currently arranged and periodically checking to see if any changes need to be made.
We can help coordinate the affairs of your estate distribution, including trust implementation and reviewing tax implications for heirs and beneficiaries.
For high-net-worth clients, taxes are often the largest single expense. We can collaborate with other specialists and advisors to structure which investments can help minimize expenses, while also noting exemptions, deductions, and credits.