How We Help our Clients
First we listen to you to discover your goals, dreams, and aspirations
Next, we gather the information and data necessary to evaluate your situation.
After that, we thoroughly analyze each of your plan components and develop recommendations on how to best achieve your goals.
Then, we meet to discuss our recommendations and create a plan of action.
Next, we get to work and implement your plan.
On an ongoing basis, we meet to make planning updates - reflecting changes in your life, regulatory provisions, and your goals.
What it is Like to Work with Us
We care about your success. We listen carefully to understand you and find out what is important to you. Then, we help you achieve it.
You are respected and valued regardless of your religion, race, age, gender, or sexuality. All questions, goals, and dreams are taken seriously. We honor your aspirations and dedicate ourselves to helping you fulfill them.
When you need us, we are there for you. Call or email us and we will get back with you within 24 hours. Have an urgent request? We will give you our personal cell numbers so you can call or text us directly. If we are in a meeting or temporarily unavailable, we will get back to you asap.
Not only are we a fiduciaries, but we love learning, reading, and meeting with colleagues to learn about developments and best practices in our field.
Rest easy knowing you have your own “Chief Financial Officer” at your service to ensure you have outstanding guidance at every step of the way.
Clients often prefer simple and concise explanations. However, when you want more details, we are happy to provide detailed answers.
Planning Areas Where We Provide Guidance
Goals Achievement
Goals Achievement – Whether it is saving to be financially independent, remodeling your home, or taking a vacation with the entire family, whatever your goal is, we help you accomplish it.
Maintaining Your Cash Flow
Maintaining Cashflow – Once you stop working and rely solely on your savings, investments, Social Security - and maybe a pension, it is critical your money lasts over your entire lifetime and can fund all your goals. We help clients navigate this crucial time and provide direction on options that help ensure your assets are there throughout your entire life.
Investment Management
Investment Management – We like to call our approach to investing an evidence-based approach, because it is grounded in scientific research. After understanding your goals, needs, and comfort level with market volatility, we will make portfolio recommendations. To learn more about how we approach investing, click here!
Charitable Planning
Charitable Planning – Charitable giving is important as it enables you to put your values into action and support causes that resonate with you. Clients often find that gifting constitutes one of the most meaningful actions they do. We help you make gifts using tax efficient strategies, potentially magnifying the power of your donation.
Sustainable Investing
Sustainable Investing – Sustainable Investing or Socially Responsible Investing involves looking at the impact of the companies you invest in. Concerns for issues such as the environment, climate change, diversity, and corporate governance are criteria we often incorporate when building portfolios for clients.
Social Security Planning
Social Security Planning – Social Security has thousands of rules and every person has a unique set of circumstances. This is why we evaluate your particular situation to determine the ideal time to begin taking benefits.
Pension Planning
Pension Planning – for those with pensions, there are important elements to consider and decide upon. We review your options and provide guidance to help you make the best choice.
Tax Planning
Tax Planning – with ever changing tax laws, it is important to act carefully so as not to incur substantial tax liabilities and to take advantage of opportunities. By regularly evaluating our options, we look to improve your tax efficiency.
Estate Planning
Estate Planning – We work with you to understand and implement the various components of your estate plan and we assist you to determine if your estate plan needs updating. Additionally, we will provide attorney recommendations as needed.
Risk Management
Risk Management – a plan that helps you achieve your goals should reflect on risks that could undo all that great work. We help you understand the risks you face and what can be done to avoid or minimize their impact.
College Planning
College Planning – saving for a child or grandchild’s education is an important goal for many. We assist you in identifying the best vehicles to save for college, the right mix of investments, and the appropriate savings to meet your goals.