Our Services

 
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Personal and Family Financial Planning

  • We listen to our clients regarding their goals and objectives so we can design a financial plan that provides clear and concise information. This plan helps our clients know what they own, why they own it, and what it is doing for them.
  • We first gather all pertinent financial information and input it into our financial planning software. This reveals a clear picture of your current financial health. Knowing what your annual expenses are helps to determine the cash flow needed for any future goals.
  • We then use the software to create “what if” scenarios to see what future outcomes are possible based on the data.
  • We create a plan for the next 12 months and monitor the results of that plan quarterly.
  • We review the plan annually for performance and make any changes necessary based on additional client information and market trends and factors.
  • We update your plan when there are life events, such as a new baby, a change in jobs, a new home, and an upcoming retirement.
  • We also bring in experts as needed such as an Estate Planning Attorney for legal documents or a CPA for tax recommendations.

Investment Advisory Services

  • Our financial plan includes a review of all current liquid assets; 401k, IRA, investment accounts, etc., to make sure that they meet your Risk Tolerance.
  • We assess any upcoming financial goals such as college tuition or retirement.
  • We evaluate our clients’ progress with regard to their goals and adjust their plan so that they achieve their short and long term goals.
  • We continue to monitor your Risk Tolerance as markets and volatility change in the market.
  • We continue to measure your time horizon regarding your goals and objectives.
  • We meet regularly with our investment team to adjust, rebalance, and reallocate your investments in order to meet your time horizon and goals.
  • Annually we will sit down together to look at how your portfolio performed, and make any updates or changes that are appropriate to meeting your goals and objectives.
  • We will establish the best way to communicate with each other so that clear and concise information is easily obtained by both parties.
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Personal and Business Insurance Solutions

  • We will review any current insurance policies that you own or participate in; life, disability, long-term care, and annuities that you own personally or through your employer.
  • We will perform a Risk Management analysis to see if you are financially exposed and could potentially be at risk either personally or in your business.
  • We will work with our insurance team to craft a solution or solutions to protect you, your family, and your business from any accident, disability or death.
  • We will review your insurance needs annually and make any recommendations to secure any additional coverages.

Business Advisory Solutions

  • If you own or run a business, we will review your current business retirement and insurance programs.
  • We can consult with our investment and insurance teams to come up with solutions to mitigate financial risk and improve retirement programs.
  • We can look at alternatives for your business such as Cash Balance Plans or 401k plans to boost retirement programs for you and your staff.
  • We can review and make recommendations regarding life insurance for key employees or partners.
  • We can also recommend outside professionals that we work with such as CPA’s or Estate Planning Attorneys to improve your business with solid, common sense financial solutions.

 

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