Whether you are just starting out in your career or a successful professional, starting a new business or own a well-established business, getting ready to retire or already in retirement, we are ready to support you in achieving your goals through the various services we offer. Based on your financial and life goals, we can customize and combine a number of services to help you achieve your goals with greater confidence.
Income protection & risk management
Your ability to work and generate income along with protecting your assets from unexpected catastrophic losses is critical to realizing your overall financial goals. By checking that you own adequate life, disability, health, and long-term care insurance along with properly structured auto, home, business, and liability insurance policies we make sure that your family and your business would not suffer financially in case life takes an unexpected turn.
Investment Planning
Based on your goals, risk tolerance, time horizon, and expected returns we help you design and implement a variety of wealth accumulation plans, ranging from separately managed portfolios of stocks, bonds, mutual funds, and ETFs along with access to third-party wealth management programs.
Tax planning & asset protection
Based on your unique situation, we work with your CPA and other advisors to suggest strategies to minimize your tax bill today and into the future, assess your liability exposure, identify gaps and implement legal methods to protect your hard-earned personal and business assets from frivolous lawsuits and creditors.
Retirement Planning
Most of the money we spend is over the weekend when we’re out shopping, hanging out with family and friends, going to movies, sporting events, concerts, golfing, traveling etc. However, in retirement every day feels like it’s the weekend. For a healthy 60-year-old this could mean paying for over 10,000 days of such expenses in addition to healthcare and other costs. We help you prepare for this phase by lining up paychecks and play-checks guaranteed for life.
Business Planning
The business owner’s most valuable asset is often the business he/she owns. We can help you derive maximum value from your business today and ensure its viability well into the future. If there are children, family members, or key employees that are interested in continuing the business in case of your unexpected death, disability, or after retirement, we’ll help you find ways to make this happen as efficiently as possible.
Estate Planning
We help you understand how estate planning documents such as a will or a living trust, power of attorney, and healthcare directive, can ensure that your personal and financial goals are addressed during your life, in case you’re incapacitated, and after death. In collaboration with you and your other advisors, we also assess the impact of state and federal estate taxes and suggest strategies designed to minimize those taxes, while addressing your personal philosophies and family needs.
