financial planning 

We work closely with you to understand your financial goals and life ambitions so we can help you create strategies to achieve them. Our planning encompasses wealth accumulation strategies for personal and retirement objectives as well as creative distribution and legacy strategies to ensure wealth protection and mitigate taxes.


personal cfo  

We work with you and your other professional advisors to ensure all facets of your wealth are properly coordinated and engineered to achieve your goals. We also act as the gatekeeper to your financial world to help you sort through the noise and confusion this industry likes to create, allowing you to make sound tactical decisions that make sense for you and your family.


investment management 

Your planning objectives drive your portfolio construction and allocation amongst assets classes. We structure portfolios based on years of market research and a deep understanding of the dimensions of risk that reward investors over longer (10+) periods of time. We don’t participate in guesswork, predictions or market timing. Rather we lean on the scientific work of Noble Laureates who have determined that over 94% of portfolio return is explained by asset allocation.


predictable income

If you are in need of portfolio income, we engineer portfolios to generate predictable streams of annual income to meet your annual expense needs. This frees up other assets to be prudently invested for growth without theneed to sell assets at an inopportune time to meet income needs.


We assess your annual cash inflows and outflows, as well as any income that needs to be generated from your portfolio. This is the first step in determining how your portfolio is constructed with the proper exposure to income producing and growth related asset classes.

CASH FLOW PLANNING


Together, with your estate-planning attorney we ensure that your assets are protected and tax efficiently structured for your beneficiaries.


Together with your estate-planning attorney we ensure that your assets are protected and tax efficiently structured for your beneficiaries. This includes creating a will, setting up trust accounts in the name of beneficiaries, establishing guardians for living dependents, naming an executor of the estate to oversee the terms of the will, creating and updating beneficiaries on plans such as life insurance, IRAs and 401(k)s, establishing annual gifting to reduce the taxable estate and setting up durable power of attorney (POA) to direct other assets and investments.

ESTATE PLANNING


Insurance is an important part of your plan to protect the assets you’ve worked hard to accumulate. We review life, long-term care, disability and property and casualty insurance to ensure you are covered appropriately and cost effectively.

 

INSURANCE PLANNING 


Poor tax planning is the single highest cost on wealth. Between our robust tax software and your accountant, we work hard to understand and mitigate your tax exposure.

TAX PLANNING


With so much focus on asset allocation and accumulation, too little attention is given to creative distribution planning, which starts with asset location. The types of accounts your assets are held in will determine how they are taxed when you take portfolio distributions.

 

ASSET LOCATION


The average couple receives $560,000 in lifetime benefits, so to dismiss this asset in one’s retirement plan is unwise. Read more….


The average couple receives $560,000 in lifetime benefits, so to dismiss this asset in one’s retirement plan is unwise. Social security is the only asset with the following qualities: inflation adjusted, government backed, lifetime cash flows, tax-advantaged, eliminates market risk and has spousal and survivor benefits. Only 3% wait until after full retirement age to maximize their benefits, despite the fact that income streams increase 7-8% annually between full retirement age and age 70.

SOCIAL SECURITY PLANNING


There are many considerations when planning for college beyond simply contributing to a 529 Savings Program. Competent planning includes learning how to access grant money, how to reduce the cost of tuition, , how to maximize need-based aid from the college and how to pay for college without relying on 529 plans, expensive private student loans or raiding retirement accounts..

COLLEGE PLANNING


fiduciary governance

A true professional uses his or her expertise and ability solely to advance the best and truest interests of the client. When the professional’s interests diverge from those of the client, the professional always follows the client’s interests.


We are your gatekeeper and help you sort through the confusion and noise that this industry likes to create. We objectively, help you make good financial decisions that make sense for you and your family. Our commission free guidance helps to eliminate any potential conflict between prudent guidance and the use of certain financial products.  

 

NAVIGATING THE CONFUSION