Our responsibility is to be your professional advisor and advocate. We understand that every client's financial situation is unique. We approach financial management by developing a personalized comprehensive financial plan. This approach is important in allowing the plan to be maintained through the inevitable bumps life will bring. We are conservative in our investment and planning approach.

 

Financial Assessment

We will conduct a thorough review of your assets and any outstanding debts to identify financial strengths and weaknesses. It is our firm belief that the easiest path to wealth creation and financial independence is to become debt-free and stay that way.

Risk assessment

We will review situations that could lead to unforeseen liability and suggest methods of reducing or transferring risk. 

Retirement planning

Projecting future income levels, asset values, and spending needs could allow for a more interactive and meaningful approach to identify sources of income in retirement. 

Many of our clients have unique goals they are trying to achieve, such as paying for a college education, retiring early, or leaving a charitable legacy. We will discuss these goals and propose ways to help reach the intended target.

Tax planning

With tax policy continuously changing, we advise our clients on various strategies to most efficiently use their assets to produce income, pass wealth to family members, effectively support charity, and look ahead at potential tax issues that can arise with a growing estate.

We assess the need for updating wills, revising trusts, or naming a power of attorney over financial and/or health care matters. In addition, we will discuss how you wish to leave assets to family or charity at death.

Portfolio analysis & Construction

First, we will conduct an analysis to gain a thorough understanding of the current investments. We will also conduct a qualitative assessment to identify strengths and weaknesses. Upon completion of our analysis, we will propose an investment strategy which will meet the stated objectives most effectively.