Providing the Custom-Tailored Services and Support You Need

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

There are many tools available designed to help you achieve your financial security. With your goals and needs in mind, we will work together and utilize the best resources available to build your unique action plan.

Wealth Management & Retirement Planning

We'll pursue the best paths for making the most of your employer-sponsored retirement plans and IRAs, and determine how much you need to retire comfortably. We will determine your asset allocation need and help you understand your risk tolerance. Assets are actively managed both before and during retirement.  

  • Investment management: stocks, bonds, mutual funds, exchange traded funds, private placements, alternatives
  • Retirement plans: 401(k), 403(b), 401(a), Simple IRA, SEP IRA, 457, ESOP
  • Employer stock/Employer stock options analysis
  • Education planning: 529 plans, Coverdell Educational savings accounts

Tax Management

We'll seek out ways to help reduce your current and future tax burden and refer you to qualified tax specialist when necessary. 

  • Tax preparation
  • Tax planning
  • General tax advice: individuals, small businesses, partnerships, estates, trusts, foundations
  • Gifting
  • Wealth transfer

Estate Planning

We'll review your wills and trusts, and explore ways designed to help preserve your estate for your intended heirs. We'll assist you with beneficiary designations, reducing exposure to estate taxes and probate costs, and coordinate with your tax and legal advisors. 

  • Will, trust, and power of attorney consultation
  • Small business planning
  • Referrals to separate legal counsel

Income Replacement Planning

We'll create a plan that is designed to support you throughout retirement and maintain the lifestyle you desire. 

  • Cash flow planning
  • Social Security analysis/ Railroad Retirement optimization
  • Pension selection
  • Deferred compensation

Insurance / Risk Management Analysis

We'll work to find the best policy for your situation and regularly review existing insurance policies, recommending policy changes when appropriate. 

  • Life insurance
  • Disability
  • Annuity
  • Long-term care

Education Funding

Whether for children or grandchildren, we'll recommend investment and accumulation strategies designed to cover your family's educational needs.

  • 529 college fund 

Employee and Executive Benefits 

We'll help you and your business attract and retain qualified employees through benefit packages.