For retirees and those nearing retirement, our comprehensive wealth management service consists of financial planning and if desired integrated investment management.

We follow a best practices approach which involves organizing your financial affairs, developing a formalized written plan, implementing the agreed upon plan, and continually monitoring progress.

In today’s market place, it is easy to become overwhelmed with the products and tools that are available. Now more than ever, retirees need a consultant, not a salesperson, to help them come to a fully informed decision.


Financial Planning:

There are three primary phases to the process:

  1. Evaluation of present financial situation and specific recommendations in each of these areas.
  • assessment of individual portfolio risk
  • income tax and cash flow management
  • investment portfolio analysis and recommendations
  • investment accumulation strategies for retirement
  • tax efficient income distribution strategies
  • insurance/risk management audit
  • business consulting and benefit integration for closely held businesses
  • executive compensation
  • estate tax analysis and asset transfer strategies
  1. Implementation of recommendations
  2. Monitor the plan and make adjustments as needed


Investment Management:

We provide ongoing advice and asset management based upon a risk assessment and your stated goals, objectives, and time frame. We develop a personal investment policy statement that acts as a guide in creating and managing your investment portfolio


Income Distribution Planning:

Income distribution planning takes into consideration all income sources including social security, pension income, and your investment portfolio.

Understanding your options and coordinating income streams can help optimize income and reduce taxes during retirement.


Risk Management:

Our risk management process stars with the identification, assessment, and prioritization of risks. Once risks are identified, we develop strategies to manage risk by, avoiding the risk, reducing exposure to risk, transferring risk to a third party by using insurance,  and accepting the consequences of the risk when it makes sense.


Tax Planning:

The goal of tax planning is to arrange your financial affairs in a way that minimizes your tax burden. There are three basic strategies we can implement to reduce taxes; reduce taxable income, increase tax deductions, and take advantage of tax credits.

Tax planning is integrated throughout your financial plan and considered when selecting investment, risk management, and estate planning strategies


Estate Planning:

The estate planning process anticipates and makes arrangements for the transfer of your estate upon death. The goals are to eliminate uncertainties of the administration of probate and maximize the value of your estate by reducing taxes and other expenses.


Charitable Giving:

For those who have charitable intent, there are many gifting strategies that allow you to support the charity or charities you care for and receive tax benefits for doing so.

Unfortunately, many individuals leave gifts to charities though their estate and never enjoy the opportunity to see their gift at work. If you are considering an estate gift, evaluate all of your options. Some sophisticated gifting strategies allow you to accomplish your own financial goals while at the same time making a present gift to your charity.