Our Services

Retirement income goals.  We've all heard the statistics.  People are living longer and are enjoying retirement for many more years than ever before.  Making sure those years are enjoyable is a goal of many.  Making sure not to outlive and income is a financial goal of many more.

 

Higher Education goals for your children.  For many parents, a child's future is of utmost importance.  Beginning to fund higher education sooner than later - and doing it with the proper tools and investments - can help make all the difference in the world.

 

Wealth Accumulation.  Accumulating assets and doing so in the most effective manner to potentially minimize taxes, is a financial goal for many of my clients. Everyone wants to make money, but selecting the products and services that align with your personal goals and objectives are critical first steps. Generally we prefer to serve our clients' needs through investment advisory programs that utilize no-load, institutional, and load-waive mutual funds. By incorporating these investments we can construct a portfolio on a "FEE-BASIS" without regard for commissions.

 

Asset Protection.  We all work hard for our money, and protecting our assets - both the tangible (your home) and non-tangible - (tax and inflation erosion or litigation) is important to a financial plan.  After all, you've built your nest egg - you should do all you can to keep it.

 

Asset Allocation.  How your money is invested should reflect who you are - how you feel toward risk and what time-frame you've set for your goals.  I can help you customize your portfolio to complement these factors.

 

Tax Planning.  Taxes, it seems, are inevitable.  However, there are measures that can lessen your tax burden.  For instance, tax deferred or tax-exempt investments can keep more money in your portfolio. **

 

Preserving estates from substantial Federal estate taxation. Some estates are such that they are subject to excessive Federal estate taxation. There are ways you can preserve more of your estate for your heirs.**

 

Protecting your survivors. In addition to preserving your estate from Federal estate taxes, you may also be concerned about those who are dependent on you. There are solutions to this need. Continuing the protection of your survivors can be achieved with proper planning techniques.

 

Gifting strategies. Gifting is not the only way to philanthropically aid your favorite charities or provide for a loved one – it can also be a way to reduce the tax bite, both now and when your estate is to be settled.**

 

Trust strategies. A carefully drafted trust agreement can help people avoid substantial estate tax liability, can be established for the benefit of a charity, can allow an individual access to income and principal, and more. A trust may be just the tool you need when implementing your financial plan. I can work with you attorney to determine whether a trust will be suitable to help you meet your goals.**

 

Business continuation and preservation. For business owners, partners, and majority stock holders, what happens to a business as the result of the retirement, disability, or death of a key employee, owner, or partner can mean the business continues successfully or that the business is subject to hard times or, in the worst cases, a distressed sale or closure. Protecting a business with effective solutions now can mean a continued future.

 

 

** Of course, you should always contact your tax advisor for more complete information as to how any tax strategy or plan will impact your specific situation. I and our firm do not offer tax or legal advice.

 

…we have decades of real-life experiences that can assist you in achieving your objectives.