Retired / Approaching Retirement
Accumulating the assets necessary to retire is not the end of one’s financial plan. We specialize in creating tailored programs aiming to make your income streams last.
Those In Transition
Change is one of very few things in life that is certain. Whether it’s a change of job, an addition to the family, or sadly the loss of a loved one, we have programs designed to help the specific needs surrounding these transitions.
Goal Oriented Investors
Our clients have diligently saved or are saving with a goal or multiple goals in mind. Whether you are saving for retirement, future education expenses or to start a business, our mission is to help our clients achieve these goals.
Tax Efficient Investors
A General Accountability Office (GAO) study conducted over several years showed taxpayers actually overpaid on their taxes by hundreds of millions of dollars. Through providing education and review of their specific situation, we strive to increase our client’s tax efficiency.
- Reviewing your investments and designing a personalized portfolio appropriate to your needs
- Year-long, continual monitoring of your investments
- Quarterly, semi-annual or annual meetings to: review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you
- Quarterly Statements
- Independent Advice
- Recommendations regarding positioning of investments within your employer provided retirement plans such as 401(k)s
- Quarterly “market watch” letter detailing our firm’s research, analysis and view of the current state of the investment market
- Comprehensive review of your tax return to highlight potential opportunities to help maximize tax reduction strategies
- Review of your tax situation and planning to incorporate any new tax law changes
- Complimentary consultation with your tax preparer
- Recommendations of tax strategies including tax advantaged investments
- Staying up-to-date on and presenting new tax laws that can affect your situation
- Analysis of your income needs now and in the future
- Continual development and implementation of recommendations to fund your income needs
- Recommendations regarding the customized distribution strategy for your employer retirement plans and IRAs
- Analysis of the beneficiaries of your IRAs and options for an Inherited IRA
- Complimentary annual retirement income estimation
- Analysis of your current estate plan and concerns
- Complimentary consultation with your attorney
- Assistance in transferring assets to your Living Trust or other trusts
- Providing guidance with the appropriate and necessary steps in the event of the death of a loved one
- Addressing educational expenses of children and grandchildren
- Regular beneficiary audits
- Quarterly newsletter to keep you apprised of the most current planning options
- Quarterly, semi-annual or annual reviews
- Special reports seeking to help reduce your taxes and other important topics
- Special Gold Medal Service Events, including client appreciation events (where you may bring up to 2 guests)