Financial Planning

A goal without a plan is just a wish.

Antoine de Saint-Exupery, French writer

For Individuals and Families

Decisions along the way are made with you--not for you, as we prefer that you are actively involved in the process. With our experience and an open line of communication, we feel confident that you will value our guidance for many years to come. 

A successful retirement is a dream shared by every working American. Unfortunately, it remains just a dream for many Americans as they do not have enough money to meet their retirement needs. Many advisors agree that in order to retire, the rule of thumb is that you're going to need at least 80% of your pre-retirement income. Others may need closer to 100% of their pre-retirement income once they retire.

We provide the guidance you need to plan for the retirement of your dreams. Decisions along the way are made with you–not for you, as we prefer that you are actively involved in the process. With our experience and an open line of communication, we feel confident that you will value our guidance for many years to come. Our services for individuals and families include:

Our services for individuals and families include:

Wealth Management

You have worked hard to get where you are, and now you want to make financial decisions to help generate income, to provide for your family, and to care for those less fortunate. Allow us to demonstrate how an academic-based approach to managing your wealth can lead to a better investment experience.

Risk Management

To properly build your financial house, you need a solid foundation of insurance in place to protect your family. We will help you determine the appropriate amount and type of life and disability insurance, and will help you properly manage existing coverage.

Estate Planning

A well-executed financial plan will seek to minimize taxes to your heirs and aid them in furthering the values that are dear to you and to them. We welcome the opportunity to delve into deep discussions about your family and your desires, and then work alongside you and your attorney to implement the plan.

Charitable Planning

We have all been richly blessed and many of us feel the call to give back to our community and to others globally. Allow us to explore opportunities with you that will benefit the organizations you love, while making the most of charitable deductions and credits.

For Small Business Owners

As a business owner, you have worked diligently to grow your company. You face opportunities and challenges that are unique and require careful planning. Are you maximizing your tax benefits available to you? How will you transition your business to the next generation to maximize value and maintain your customer relationships you have develop over decades. We understand many of your concerns, and can ask the right questions that can get the answers to help you strive to grow and preserve your business.

Retirement Plan Services

401(k)?, SIMPLE?, SEP? So many options, and each have their own unique benefits and drawbacks. Together, we will decide on the most appropriate plan for you and your employees.

Succession Planning

Many successful business owners pour their life into the company they love, and then one day realize they do not have an exit strategy. We initiate thoughtful discussions, and help you implement strategies to leave your business on your terms, for the benefit of you, your employees, and your customers.