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Individual Services

Roadmap to Success

We create a financial roadmap based on what is important to you. We understand the many challenges of retirement today and know the biggest concerns for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well- being.

Financial Planning

Our comprehensive financial plan will align your current actions with future goals and calculate your current and projected net worth to establish a foundation for planning. Your financial plan will help you manage cash flow, income and spending now and in the future.

Investment Advice and Management

Starting with an evaluation of your tolerance for risk and loss balanced against your expectation of reward, we will design personalized investment strategies. During our regular review meetings, we will ensure you are on track to meet your long-term goals.

Safety and Security

Your investment portfolio will be held in custody at Fidelity Investments and all investments utilized in your portfolio will be readily marketable and are traded on recognized stock exchanges. You can view your account holdings online at any time.

Individual Services

Financial Planning

A financial plan is a comprehensive picture of your current finances, your financial goals, and strategies you've set to achieve those goals. A financial plan will include all elements of your financial life including details about your cash flow, savings, debt, investments, and insurance among others.

Together we will build your financial plan based on a straightforward conversation about your finances and goals. The plan will serve as a roadmap to help you decide whether you're on the right path or if you should consider a new direction. After we develop your financial plan, we will regularly review the plan together to ensure you are on track to meet your goals and to create a better financial future.

Investment and Wealth Management

As an investment and wealth management firm, we offer investment management and provide comprehensive financial advice. We handle complex financial issues and coordinate with financial experts on behalf of our clients.

Our investment management services include the buying and selling of financial assets based on short-term and long-term strategies designed to meet your goals and needs based on your tolerance for risk. Investment management services include asset allocation, investment selection, and the monitoring of existing investments, all coordinated with our financial planning services.

Tax Planning

Managing taxes as part of your portfolio strategy and financial plan can have a significant impact on your long-term returns. When it comes to investing, it’s not just how much you make that matters, it is how much you keep after taxes. Various techniques - allow us to manage your portfolios to maximize after tax returns including:

Tax-loss harvesting – the selling of a security at a loss to offset a capital gains tax liability.

Manage capital gains – when selling securities in your portfolio, sell those with long-term holding periods to minimize capital gains tax.

Invest in municipal bonds – as a component of your portfolio, investments in municipal bonds may generate income that is tax exempt.

Transition management – build a customized portfolio incorporating some existing holdings to minimize potential gains.

Charitable Giving

Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations.  Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune.  Many of the institutions of arts, sciences, education, and health care are supported in large part by those who want to give back.

Presently, the tax code offers incentives for the gifting of one’s assets or incomes. Tax deductions are given for current charitable contributions, and future planned charitable contributions can reduce the size of the estate to help minimize estate taxes.

Some examples of charitable giving vehicles are Donor Advised Funds, Charitable Remainder Trusts, and Charitable Lead Trusts.

Estate Plan Coordination

Regardless of the size of your estate, it is important to have your financial affairs in order before you are gone. A common mistake in estate planning is lack of coordination of all the different aspects of a plan and how they may or may not work together.

It's important to work with an attorney on your estate plan. The attorney's role will include guiding you through the creation of fundamental estate planning documents. These may include a will, health care proxy, and durable power of attorney . The tax advisor can help you with any associated tax issues.

We will coordinate with your attorney to incorporate your financial plan and beneficiary into your estate plan.

Life Insurance

Insurance can play a role in a comprehensive financial security plan.  If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship.  Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.

No matter your personal situation - if you are single or in a family; a professional or a seasonal employee; an executive or small business owner - we will work together to design a customized plan.

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents. The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are usually non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-Term Care Insurance

Long-term care involves a variety of services designed to meet an individual’s health or personal care needs. The cost of providing these services can be potentially life-altering. Long-term care insurance can protect you and your family from these costs while providing peace of mind that care will be available when you most need it.

People often need long-term care when they have a serious, ongoing health condition or disability. The need for long-term care can arise suddenly, such as after a heart attack or stroke, but most often it develops gradually, as people get older, and an illness or disability gets worse.