Comprehensive Retirement and Investment Planning from Fee-Only Fiduciaries
We coordinate, simplify, and manage your investment, tax, insurance and
estate planning, all under one roof
Our Typical Client
Our typical client is focused on retirement and believes that true wealth is having control over their time so they can spend it with the people and activities they love.
They prefer to delegate the majority of their financial matters to a team of trusted professionals who will take care of their loved ones after they are gone.
Helping you navigate life's stages
Your situation, goals, and needs will evolve and change over time. We can help you address the various milestones and challenges that will occur during your lifetime. Marriage, births, college, retirement, and even deaths.
Retirement Income Planning
Retirement planning is the primary focus of our practice. We help determine how much you can safely spend without running out of money and investments that are appropriate for your needs.
Integrated Tax Planning
Every financial decision has a tax implication, either this year or in the future. We start with a detailed review of your tax returns to look for opportunities for improvement.
Through our alliances, we can facilitate integrated, year-round planning, preparation, and filing so we’re all on the same page.
Social Security Optimization
We analyze your options to determine the most advantageous claiming strategy. Poor choices can leave hundreds of thousands of dollars on the table which can negatively impact you and especially your spouse.
Medicare and Health Insurance Consulting
We will provide a detailed analysis of your existing coverage, taking into consideration your health, medications, and lifestyle.
Whether your coverage is from your employer, an Affordable Care Act plan, a private plan, or Medicare, we can help you understand and evaluate your options, so you can make better decisions.
Investment Management
We believe in evidence-based, disciplined diversification, keeping costs low, and being smart about taxes.
We provide coordinated and continuous monitoring of the portfolios we manage for asset allocation, rebalancing, and tax-loss harvesting opportunities.
Protection Planning
We don't sell insurance but we can help evaluate your existing life, disability, health, long-term care, and property & casualty coverages and make recommendations and coordinate with independent insurance agents.
Estate Planning
Do you have a plan for the orderly transfer of assets at death? Do you have a plan if you become incapacitated? What if you find yourself suddenly single? Do you have an updated will and financial and healthcare powers of attorney? Should you consider a trust?
Multi-Generational Planning
We want to make sure that the next generations get started off on the right foot. We provide free financial coaching for our client's children and grandchildren until they get married or turn 25, whichever comes first.