Retirement Planning
We are living in the golden days of the golden age. This means that mortality has increased more than any other generation. This longevity creates the need for a clearly defined retirement strategy both before and during retirement. No matter if you are decades or days from retirement, our professionals will carefully review the most fitting strategies for your goals and objectives.
- Retirement Needs Analysis
- Sustainable Income Planning
- Tax Considerations
- Pension Planning
- IRA and Roth IRA Planning
Risk Management
Insurance coverage is often overlooked in individual and business planning. However, this area of planning can uncover liabilities and risk that might not have been considered to ensure the protection of assets. Our team of professionals will analyze your financial situation and provide sound strategies which may or may not include insurance. We will make sure that you possess the benefits you need, adding and reducing coverage as warranted.
- Evaluate Property And Casualty Coverage
- Personal Liability Assessment
- Human Capital
- Income Replacement
Investment Management
In our management of portfolios, we generally subscribe to Modern Portfolio Theory, which holds that the risk-mitigating effects of holding a basket of equities enables pursuit of higher return than might be accomplished by simply "averaging" the risk of individual equities. Whether your investment style is conservative or aggressive, our professionals will help you determine a program that is suitable for your short and long term goals.
- Current Portfolio Review
- Investment Policy Statement Design
- Investor Tolerance
- Asset Allocation Strategy
- Active Management
- Ongoing review and reporting
Education Planning
Whether providing for your children or grandchildren, paying for education is often overlooked. Yet, the need for advance planning to finance the cost of higher education has never been greater. The costs of education continue to rise at a rate far greater than inflation and experts agree, after buying your home, higher education will be the largest expense you face. Developing a plan early can dramatically reduce the burden of meeting college costs.
- College Cost Analysis
- How much should you be saving?
- Choosing a college savings plan
Business Planning
Few challenges demand more of a business owner than successfully passing the family business to future generations. Yet when properly executed, the rewards are numerous. Family members have a special opportunity to preserve the hard earned institution that reflects the family's ideals and goals. This type of perpetual planning, when done correctly, can provide quantifiable and lasting results.
- Business Valuation
- Succession Planning
- Family Limited Partnerships
Estate Planning
Estate Planning covers a broad area of activity that leads to the proper arrangement of the owners objectives. Developing an estate plan involves more than simply avoiding taxes. At its very core, this method of planning attempts to organize your resources to adequately provide for the present and future needs of your surviving family and charitable interests.
- Develop Wealth Transfer Objectives
- Estate Tax Analysis
- Plan Effectiveness Illustration and Comparison
- Advise on Suitable Estate Planning Strategies
- Implement Estate Planning Recommendations
- Review And Monitor
Charitable Giving and Gifting Strategies
Gifting strategies are often-overlooked in estate planning. In addition to providing financial rewards to charities and loved ones, an appropriately structured gifting plan can provide the donor with significant rewards as well. Our professionals can help you determine if gifting strategies offer opportunities for a more successful estate plan.
- Education On Philanthropy
- Identify Your Giving Interests
- Tax Planning
- Next Generation Involvement
Post Retirement Income Planning
Never is it more important to plan your income and spending plan than post retirement. Income strategies must be carefully analyzed before a decision is made to ensure you do not run out of money, and you are adequately prepared for inflation risk.
- Income Needs Analysis
- Investor Tolerance
- Investment Policy Statement
- Asset Allocation and Probability Analysis
- Predictable Income Component
- Active Management
- Ongoing Review And Income Adjustment
