OUR SERVICES
Wealth Management
By incorporating information from our clients’ other professionals, such as CPAs, attorneys, and insurance agents, we work to achieve a seamless and successful long-term plan designed to help grow and to help protect capital, reduce taxes, and pass assets to future generations or charities in a cost-effective manner. Our consultative approach aims to collaborate with our clients to help accomplish specific financial goals using personalized strategies.
Tax Planning
With input from clients and the tax professionals who serve them, we strive to manage investments in a tax-efficient manner. Through knowledge of a client's tax rate; the timing of investment decisions; and the knowledge of where assets are “housed,” we seek to avoid unnecessary taxes in current and future years, while managing cash flow needs. We aggressively consider tax-loss harvesting opportunities at the client level whenever possible.
Risk Management
There are various types of risk, and we help our clients understand them. Cash flow needs, obligations, goals, emotions, retirement and estate plans are all important considerations in determining an appropriate portfolio asset allocation. For risk averse clients, we do more than protect against the risk of losing their principal. With that knowledge, and the help of a client's legal and insurance advisors, we believe risks can be managed while maintaining the likelihood of achieving long-term goals.
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Charitable Giving
Our knowledge of charitable giving may help clients provide a greater impact to the charity or other organizations they are passionate about, while striving to reduce their tax burden. We take a multi-year approach when helping clients to develop a plan for charitable giving, including the disposition of concentrated or appreciated assets.
Retirement Planning
Retirement planning is not an event, but a constant. It starts with determining a client’s long term personal and financial goals, taking action to help reach those goals, and working to protect financial security. Initial steps involve calculating expenses, evaluating retirement needs and income sources (e.g., pension and Social Security benefits), and determining which assets to draw from to support one’s lifestyle in a tax-efficient manner. We work diligently with our clients to review their retirement plans over time as their lives change.
Financial Coordination
One of our most important commitments is to incorporate, and help synchronize, all aspects of a client’s “financial life”. We strive to deliver a high level of service, finding opportunities to help make our clients’ lives easier. This might mean conducting research on their behalf, arranging and leading calls with other entities and professionals, or guiding them through challenges associated with life events. We endeavor to provide our clients with a thorough understanding of their financial situation while doing as much as we can - so that they can do less.