Our Services

Financial Planning

We will partner with you to develop a customized financial plan that works for you now and over the long term. Whether it’s planning for retirement, saving for a child’s education or making charitable contributions, we will get to know you and your goals, then build a plan to help you reach them. A brief overview of our planning process can be found below.

• Data gathering and a deep assessment of your current situation
• Address immediate concerns – focus on risk areas  
• Collaborate to set goals and outline plans for achieving them  
• Thoughtful execution of strategic priorities – including tax strategy  
• Ongoing monitoring and modifications to your financial plan  

Investment Management

We will get to know you, your investment goals, your tolerance for risk and the time frame until retirement. Then we will take a proactive approach to diversify your portfolio across asset classes, including cash, fixed income and equities, and periodically review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives. 

• Diversification among multiple asset classes
• Consideration of different styles and strategies within asset classes
• Implementation of active and passive strategies
• Tactical asset allocation adjustments

Family Wealth Management

We help clients and their families understand the importance of proper wealth management and inheritance planning, as well as the importance of educating future generations on the responsible use of wealth. We help our families ensure that their wealth supports their values, promotes financial literacy, and provides a positive legacy for future generations.

Family Wealth Management includes:

• Family Wealth Education: We educate the next generation on the clients’ family values and beliefs related to money, helping them understand the reasons behind their wealth management choices and the responsibilities that come with inheritance. This includes discussions on the importance of financial literacy, responsible spending, and charitable giving.
• Legacy Building: We help create a legacy plan that incorporates their values and beliefs, ensuring that their wealth supports their family’s long-term goals and aspirations. This may include establishing trust funds, setting up charitable foundations, or other vehicles for intergenerational wealth transfer.
• Family Meetings: We facilitate family meetings to encourage open communication and provide a platform for discussing financial matters and family values. These meetings help ensure that family members are on the same page and working together to build a shared vision for the future.
• Philanthropic Giving: We help clients plan and execute charitable giving strategies that align with their values and enable them to make a positive impact on the world.

Tax Planning

Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We will work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax–efficient strategies for you designed to minimize your tax burden. 

• Proactive, creative tax analysis and year-round planning
• Implementation of multi-state tax strategies including residency and domicile
• Gift and estate tax planning 
• Charitable donations 

Insurance

Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life and property and casualty insurance. We can help you evaluate solutions and recommend options to fit your family’s needs. 

• Asset and income protection strategies
• Analysis of major insurance companies and product recommendations
• Life insurance audits and Long-term care expense mitigation
• Estate tax elimination strategies

Trust Services

As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions with the goal of helping to ensure your wishes are carried out. 

• Review and advice on trust documents
• Charitable planning and gifting strategies
• Generation-skipping wealth transfer strategies
• Self-settled trusts for asset protection and efficient distribution
• Professional, experienced and knowledgeable trust management