Our Services

We provide a detailed risk tolerance assessment for our clients to complete. Upon evaluating the results of this assessment and then discussing the importance of proper asset diversification and tax sensitivity with our clients, we will proceed to appropriately allocate their investment dollars. We will continually monitor the level of concentration, diversification and appropriateness of the portfolio as regular life changes occur and make recommendations accordingly. We use the latest technology and alerts to address and rebalance portfolios as needed to ensure that they stay within acceptable risk limits.

We along with our strategically aligned CPA and P&C Insurance partner firms will review insurance and risk mitigation strategies. We make recommendations on no less than a yearly basis based on the results of our formalized personal and professional insurance audit process.

We review the outstanding debt ranging from credit card to mortgage and everything in between. We analyze various factors and work with clients to develop a plan to most effectively manage this debt by using various debt reduction alternatives.

We understand that proper cash flow management is essential for family households as well as businesses. Our focus on cash flow planning involves forecasting not only months but years ahead to make sure you have enough cash on hand to handle both reoccurring and unexpected expenses. While cash flow planning can’t give you a foolproof long-term plan, it plays a pivotal role in helping you stay on track financially for the future.

We provide an overview for each individual, family and multi-generational estate planning needs. Along with a team approach when necessary to include their attorney, banker and CPA, we can address the need for a Will, Living Will, Trust, POA, Health Care Directive, Life Insurance, ILIT, etc.

We evaluate the amount of education funds that may be needed based on projected costs of higher education, what type of school may be desired and the alternative funding vehicles available. We also evaluate available tax features and opportunities for scholarships and grants, along with the potential need for financial aid and school loan options.

While we do have tax experts on staff that include Chartered Financial Consultants, Certified Financial Planners and CPA’s, we do not provide traditional tax and accounting services. As financial planners, we utilize our expertise to assist in the projections of current and future client income, gift, capital gains and estate planning needs. We help manage our clients’ investments and retirement savings accounts based upon each client’s specific situation. We can do this through the use of various strategies and investment vehicles that include, but are not limited to, Municipal Bonds, Tax Deferred Instruments, Mutual Funds, REIT’s, Tax Loss Utilization, IRAs, Roth IRAs, Pensions, PSP’s, 401(k) and various other tax strategies.

Business succession planning refers to the practice of using various concepts, strategies and/or financial vehicles to increase the chances for the survival of usually a family business, when one or more of the business owners retires, becomes disabled or dies unexpectedly. We help to address such issues as who within the family or company has the capability to run the business, will the loss of an owner eliminate much-needed cash or cash flow, how will the family of the exiting shareholder insure that they will be fairly compensated for their ownership stake in the business and how should this be designed in order to most efficiently mitigate the various tax ramifications of the succession? Most of these questions can be answered with a well-prepared Buy-Sell Agreement. The most important aspect of Business Succession Planning is for the owners to become convinced that they need to take proactive planning steps, or understand that their family business will likely disappear. We will methodically spell out the differences between the “do nothing approach” and implementation of a well thought out approach.

As a full service independent financial services firm, we will exercise our core value of providing objective advice and investment selections that are based on our client’s needs. We examine a wide range of potential investments to identify what products will best create a portfolio that reflects this. Primary screening includes but is not limited to manager quality, fees, and tax efficiency.

Once the proper allocation and account placement is selected, we utilize the latest technology to begin our starting portfolio discussion. Upon agreement of all the potential fees, risk factors and projections, we begin the portfolio implementation process. Going forward we utilize technology that monitors the weightings and alerts us to potential rebalancing opportunities and potential tax harvesting opportunities. Regular oversight ensures that the portfolio risk remains in balance with the identified client risk acceptance.

Portfolios are consistently monitored throughout the client-advisor relationship. We require at minimum an annual review to re-evaluate risk tolerance, any life changes or any life goal changes (check out our annual review video above).  We reflect any changes in the profile with a portfolio adjustment proposal and examine the effects of the changes on a tax basis, cost basis, and potential expected return and yield basis.