Our advisors have the experience and knowledge to identify questions that should be considered as part of a comprehensive financial plan. At all times, we will offer unbiased recommendations that consider your requirements today and in the future. We don’t believe in magic formulas or one-size-fits-all solutions; instead, we are invested in helping you achieve your personal goals.
Enjoying retirement to its fullest requires much preparation. To help ensure you achieve your goals, our team will perform complete review of your current financial and health needs, goals for the future, and the legacy you hope to leave. Our advisors will work closely with you to discuss complex, interrelated and often emotional issues related to retirement. Our goal is to help you achieve and maintain your desired lifestyle for years to come.
Investment returns are an important part of income planning for the short and long term. Our team can examine your portfolio and make recommendations to ensure your level of risk is appropriate for your life stage. When necessary, we can advise you on opportunities to rebalance your portfolio, taking into consideration your current financial situation and tolerance for risk.
With all clients, we take a long-term, disciplined approach to investing. This helps us avoid impulsive reactions to market fluctuations.
Our team can analyze your current portfolio and provide guidance in helping you make investment decisions. At your request, we can review the performance or your stock, bond and commodity holdings and help you evaluate new investment opportunities. We also will regularly review your portfolio to make sure it remains aligned with changes in your life.
IRA & Roth Planning
IRAs are tax-deferred accounts and can provide additional resources for funding your retirement. With an IRA, you do not pay interest on your contributions until you begin withdrawing funds from your account. With a Roth IRA, all earnings may be tax free when you make a deduction if you meet certain requirements. Our advisors can help you determine if a traditional or Roth IRA makes sense for you.
The biggest concern for most people facing retirement is an obvious one — will your retirement income last as long as needed. We can help you make critical decisions today so that you’ll feel confident about the level of income you’ll have in retirement. All recommendations we make take into consideration your tax concerns and estate plan.
Through a thorough review of your current and projected income, we can identify strategies to minimize tax implications for you and your family. We will work with your tax advisor to identify options that fit with your overall financial plan. We can also recommend tax specialists that have a record of providing a high level of service and support to our clients.
Estate & Charitable Gifts
Legacies are created through forethought and planning. We can help you create a charitable giving plan that provides for the people and causes you care about most while addressing your current tax concerns. If you do not have an estate planning advisor, we can introduce you to specialists and work with them to structure a giving program.
Life Insurance & Annuities
Adequate life insurance coverage are safeguards for you financial future – and can provide important income in retirement. Working closely with you, we can help you prepare for your needs now and in the future.
Planning for the cost of college requires a balance – you want to help your children while still saving enough for retirement. We can work with you to establish a regular college savings plan based on your child’s age, or develop a strategy to cover shortfalls. Our team also can help you evaluate loan and aid offers to help you make the best decisions for your children.